vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-23 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: AL

Complaint narrative:
In 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: MA

Complaint narrative:
I am filing this complaint cause I have had an issue with fraud and I have tried to resolve the issue and It has been very frustrating. I had fraud occur to me with XXXX XXXX  XXXX XXXX. I have tried to resolve the issue with the bank directly and have had no luck in getting this matter resolved. 

I filed a police report an also an FTC Affiidavit which I have attached to this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
This account is in direct violation of 15 USC 1692g I was not notified of ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed and 3 within 5 days of the initial communication. The next time I contact you I will be sending an Affidavit notarized with an invoice and exhibits and violations you have broken by placing this consumer report on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: AL

Complaint narrative:
In 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 2022-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: AL

Complaint narrative:
I became aware of a negative knock on my credit in 2020 by a debt collector credence collection. They instructed me to contact XXXX XXXX XXXX XXXX to resolve issue. I contacted them and they explained to me that they were looking for a XXXX somebody at at XXXX XXXX somewhere. I have no idea who this person is nor do I know or have ever lived on XXXX XXXX XXXX I told them it was fraud. I then got back in touch with XXXX to explain the same. I then contacted the social security office to let them know my information had been taken to create an account for XXXX XXXX XXXX XXXX XXXX After many calls it was eventually removed from my credit. Until naturally right before Im going to purchase a house it popped back up. This time instead of XXXX XXXX  it was under XXXXXXXX XXXX. So I was back to the same thing. I contacted XXXXXXXX XXXX they wanted me to pay the debt to have it removed when I explained it wasnt mine I told them I couldnt do that out of principle. They did tell me I could talk to XXXX XXXX XXXX XXXX XXXX So I did again. This time doing it online. But in hoping to speed the process up I hired the national debt lawyers at XXXXXXXX XXXX After 3 months this issue was again resolved and off my credit. Until this month. Now its not XXXX nor XXXX its IC systems collecting the same amount looking for the same person at the same address neither of which I know. I filed a dispute with XXXX and called a dispute with XXXX. XXXX denied my dispute transunion said they would resolve it. XXXX site advised me to call the debt collector. I called IC systems and they asked for XXXX. After I told them I have no idea who that is, explained the whole situation they said they could no longer talk to me and I needed to submit my information here. So here we are.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: OH

Complaint narrative:
Equifax has not removed XXXX  collections from XXXX XXXX. I have also disputed numerous accounts and the information never gets corrected. My credit score has been XXXX for quite a while. The reporting from XXXX and XXXX XXXX XXXX are erroneous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
A collections action is being taken against my credit for a XXXX  account that was closed and the final billing statement paid on XX/XX/2022 ( see attached bank statement ). There was a XXXX balance on this account and I can no longer access the account as it is closed. 

I received a letter from Sunrise Credit Services in XX/XX/2022 saying I still owed {$74.00} for an account that was closed and done for months. I responded saying that I disputed it because the account was closed and paid with a XXXX balance. They never responded to my dispute and instead sent it to collections. Two of the bureaus have removed it so far, but I am waiting on the third one. I do not want this repeatedly showing up and causing aggravation. I closed the XXXX account because their internet service was shoddy at best and their billing kept changing after " introductory '' rates " expired ''. I was done with the poor customer service. They didn't even properly cancel the account in XXXX when I called to cancel and I had to call back multiple times to get it done. On the final call, the representative apologized, said he took care of the issues and that I should return the equipment, which I did. I then paid the final balance on the billing statement in XXXX and the account was closed. Then months later I got a letter from Sunrise saying I still owed {$74.00}. They never responded to my dispute of that and instead filed a collections action against me. 

This is not a valid bill and as I closed the account ( after I had to call several times because XXXX never did the account closure correctly when I requested they close the account ). All equipment was returned and the final billing statement was paid in full on XX/XX/2022. This is a known issue with XXXX  and they should be investigated for these tactics.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: NH

Complaint narrative:
In XXXX of XXXX like millions of others we went on a XXXX forbearance due to unemployment and lack of childcare, all seemed well and Loancare LLC XXXX seemed very helpful most likely to it being a law I assume now. I requested an extension 6 months later and then after that bringing our forbearance term to the end of XX/XX/XXXX, at which time I was then contacted by XXXX who I thought was a legitimate housing counselor due to them having my personal information. For 2 months I communicated with them solely as instructed being told to be patient, thinking there would be a resolution. There was not. I was later informed that our personal information was stolen by someone that hacked the servers of XXXX XXXX XXXX XXXX aka LoanCare LLC. I then received my foreclosure notice in late XX/XX/XXXX of which I made contact with LoanCare LLC, as the letter gave me different options I chose the mortgage assistance application route. Apparently in doing so it voided my pre-approved Covid-19 modification option I was told by one of the supervisors I spoke with in late XX/XX/XXXX and put me on a regular modification request which requires paper documentation and that is where my vicious cycle we have been stuck in since began. I contacted a XXXX  IXXXX XXXX XXXX on XX/XX/XXXX XXXX after yet another request, she informed me that she had found my documents and forwarded them to the processing department but I have been told this before to no avail. These documents have personal information included our children 's XXXX XXXX  XXXX where are they going. Which brings us here, today XX/XX/XXXX at XXXX per my HUD approved housing counselor XXXX representative XXXX XXXX XXXX We desperately need help to keep our home for our family of XXXX including XXXX young kids, XXXX infants. For further information we are fully qualified and approved for a {$20000.00} grant from the NH Homeowner Assistance Fund. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
XXXX XXXX XXXX made a mistake by reporting an error to the credit bureau 's and has since sent the required items to have the error removed from my reports. XXXX and XXXX were very friendly and expedited my request as I am in the middle of applying for a mortgage and this error has caused much distress. 

TransUnion on the other hand refuses to assist. My first two disputes I submitted on the error was was not the same item that TransUnion sent to XXXX XXXX for the dispute. Originally, I declared bankruptcy in 2020 and had included two XXXX XXXX accounts. TransUnion keeps sending the request for an item from by bankruptcy back to XXXX XXXX and not the actual Item I submitted the dispute on. 

TransUnion 's customer service was no help as they didn't answer my questions in chat, and kept hanging up on me when requesting a supervisor. XXXX XXXX also verified that they sent back to TransUnion the information to remove the item to which TransUnion states nothing received.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-23 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: AL

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: OH

Complaint narrative:
All 3 credit reporting agencies are reporting information inaccurately, this is information was never verified by me as the individual or the source in which they have listed on the report. Therefore this is unfair reporting and a violation of my rights to privacy according to the Fair credit reporting act and the privacy act of XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: IL

Complaint narrative:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XX/XX/2022 -XXXX XXXX  XX/XX/2022 NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX -XXXXXXXX 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/2022 -XXXX XXXX XX/XX/2022 NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX  XXXX -XXXX 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
I received an alert that someone tried using my personal information to obtain extended credit ( credit card ) from a personal USAA checking/saving account unable to pass the security questions. USAA pulled my XXXX consumer file without consent and proper authorization. My XXXX report was already had a freeze and all reports had a fraud alert at time this cyber-crime was committed on XX/XX/2022. USAA was contacted to further investigate. When I disputed the inquiry on my credit file, USAA claim the account was valid and refused. 

I received a letter dated XX/XX/2022, the person that drafted and sent the letter is unknown to USAA customer service and fraud dept. The fraud dept rep became hostile and unprofessional claiming she is not permitted to provide me with documentation used to open the account. 

USAA did confirm today XXXX that I am not eligible to open an account unless one of my parents was a member. USAA claim they are unable to provide me with any further information for investigation they will take care of the problem. I received no confirmation of the person and/or persons involved with opening an account in my name at a bank that serves the military. There must be an associated member attached to the fraudulent account USAA opened without my consent or proper identification.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Personal information incorrect
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I opened a credit card with Best buy and unfortunately I did spent the whole thing right away and didnt pay it back on time maybe a few times I dont remember, but thats on me. However they reduced my credit limit at a time I was paying my credit card on time every single payment and even continuously paying my account on time they were dragging my credit down the hole. Then they dropped me to {$350.00} limit and put my available credit at {$0.00} so anytime I spent anything on the card it dropped my credit and notified me I have overspent. It has continuously taken my credit down due to it being a {$0.00} available credit, I was doomed if I used it and doomed if I didnt. Its been a few years on my report. They also spelled my name incorrectly on my card and it has been incorrect for years. When I told an associate they said it was fine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
I am a part of the haf program and my payments are supposed to be being paid by this program I had to extend my Covid forbearance because the payments from XXXX and XXXX have yet to be posted today is XX/XX/23 so I will basically be going into XXXX  3 months behind

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NE

Complaint narrative:
In XXXX I was trying to use the ECSI app to pay my loan and it stopped working. There was an error every time I tried to submit my payment. I tried to call ECSI and they told me that my information ( that I was reading off of the billing statement ) couldn't be verified. This continued to happen and I gave up. My last payment was XX/XX/XXXX. 

The last statement ECSI sent me was XX/XX/XXXX. I received no communication about it going into collections or communication from a collection agency. 

I was applying for financial aid for grad school this year ( XXXX ) on XX/XX/XXXX. I noticed I had 3 loans in default. There was no information on the website about who held my loan- only that it had been sent to collections On XX/XX/XXXX I submitted a ticket asking for the number of the collections agency. I never heard back from them- I waited for an email saying that my ticket had been resolved and never received one. 

I checked back into the ECSI website on the XXXX and noticed a number had finally appeared. I opened the chat to ask a few questions to a representative. The rep told me that the loan didn't go into collections until early XXXX ( remember I noticed my loan being in collections on the XXXX. ) and they had updated information on the XXXX about the collections agency. 

I called the agency, XXXX and XXXX, and they said they had just received it and my file hadn't fully uploaded it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: IL

Complaint narrative:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XX/XX/2022 -XXXX XXXX XX/XX/2022 NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX XXXXXXXX -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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Atlanticus Services Corporation
State: NC

Complaint narrative:
I recieved an email on XX/XX/22, XX/XX/22 from Fortivia stating that my account contacts had been consolidated. Upon researching my account information I found out that a XXXX XXXX  had been opened up in my name. I only had an XXXX 's XXXX retail account previously opened with them. I contacted the company and spoke with at least 5 different accounts representatives. They tried to inform me that because of my excellent credit standings with them that I was selected for a XXXX XXXX with them. At no time did I ever ask for or request a XXXX XXXX from them. Nor did I give permission or authorization to apply for a XXXX XXXX. I do not want the card or it to affect my credit report in any manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: WI

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number 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. 

I made complaint twice on this account and it was deleted off my XXXX. This originally deleted off all three credit bureaus from previous collection agency.

Company response to consumer: Closed with explanation