vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 60 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 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 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 XXXX data breach and may have got into the hands of the wrong person.

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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: VA

Complaint narrative:
This is a follow up on the complaint recently closed regarding Cross Country Mortgage. There is no resolve. Cross Country did not notify me of the funds being mis-applied. The representatives, when I called, reported the " mistake '' will be fixed and the money applied to the mortgage payments.. I never received a letter/call stating, that I needed to pay the mortgage as a result of mis-applied funds nor did the customer service representative inform me of such. Now I owe thousands of dollars and my credit rating has decrease tremendously, no fault of my own. Cross Country should bring my mortgage current, I should not have the tribulation of applying for modification ( just assuming they will try that explanation ) By law they were to notify me in writing of any changes. The only communication I received was notes to go to financial counseling and threats of foreclosure. ",,, We pride ourselves on customer service '' ... XXXXthey wrote. So please pride yourself in doing what is fair and equitable,

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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
An account was open with Chase bank without my authorization due to fraud. Account opened on XX/XX/2022 and the limit is {$1600.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I deposited {$140000.00} into my checking account on XX/XX/2022 and they froze the deposit and will not open the account. They keep changing there story.on why the can't release the money. This money is sitting in a non-interest bearing account and by my account they owe me and my wife {$2800.00} in interest at XXXX XXXX per month times XXXX  months, Not to mention all the time, grief they have caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
I have no knowledge of a XXXX XXXX XXXX  XXXX XXXX XXXX please investigate and remove all unauthorized unvalidated accounts from all three credit reporting bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
Last week ( XX/XX/XXXX ) I had my vehicle repossessed by Bridgecrest with whom we had the car loan. I and my then-wife went into XXXX XXXX bankruptcy in XX/XX/XXXX. In XX/XX/XXXX we got divorced and I was dismissed from the bankruptcy case. My lawyer said that I could resubmit a new bankruptcy later under just my name which would include the house and the vehicle in question. In late XXXX, I started the bankruptcy process. My lawyer asked me to get updated debt information which included the car loan. I tried to log into my online account but found there was no longer any account info available. I called Bridgecrest in XX/XX/XXXX and asked for the payoff amount and was told that the account was " marked charged off due to bankruptcy. '' I relayed the information to my lawyer. I again filed for XXXX XXXXXXXX but the court rejected the payment plan and wanted a higher monthly payment than I could afford. My lawyer then converted the case to XXXX XXXX but the court rejected that as well. 

I called Bridgecrest, talking multiple times to get as much info as I could. I learned that on XXXX they marked the account as " charged off. '' This was after I had filed and was already in the original XXXX XXXX which protects assets like the house and car. When I called in XX/XX/XXXX the car was still " charged off. '' I was told they received notice on XX/XX/XXXX, that a bankruptcy case was dismissed and that is why they repossessed the vehicle. 

I had no access to the site, no bills, no notices, and no communications at all from Bridgecrest that they were looking to collect on the car. I was locked out from the online portal and the only info I ever received was when I called in and was only told it was " charged off. '' If I had only known any information that it was charged off, in collections, or being repo 'd I would have tried to work with them. They want the full principal and reinstatement fee which total {$16000.00}... I am self-employed, and a caretaker for a XXXX person. I was completely blindsided by this and not sure what 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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
CREDIT REPORT DISPUTE LETTER XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Florida, XXXX XXXX TRANSUNION, I, XXXX XXXX, have written this letter claim that these accounts are falsely listed on my credit report with your bureau. The accounts are fraudulent I did not open these following items/Accounts : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX Amount : {$12000.00} Account Number XXXX Reported Balance {$12000.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX : {$490.00} Account Number XXXX Reported Balance {$490.00} Party Owed : I have contacted local authoritys and banks and now request this be removed

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 — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
The company included in this complaint is showing two hard inquiries. You have within 30 days to shop a loan for a car without being negatively effected by the multiple inquiries. This provider was not the one I went with, and therefor should have fallen off.

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: Incorrect information on your report — Old information reappears or never goes away
Company: Mercedes Benz Financial Services
State: AL

Complaint narrative:
The company included in this complaint is showing two hard inquiries. You have within 30 days to shop a loan for a car without being negatively effected by the multiple inquiries. This provider was not the one I went with, and therefor should have fallen off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: ME

Complaint narrative:
in XXXX i received a call. my phone identified it as td bank. he told me that my account was hacked and did i want to close the account. i texted back yes. the next day i went to the bank and found out i was hacked. the bank reimbursed me. XXXX of XXXX i received a letter stating that their investigation found that it was a legitimate transaction and they wanted {$1000.00} back which they they took out of my account. i did not authorize the transaction i want the money back

Company response to consumer: Closed with explanation
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 purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2022 I gave a birthday party to myself at the XXXX XXXX restaurant on XXXX XXXX XXXX, When I gave the owner XXXX XXXX MY Citi Card Master credit card for the payment of XXXX dollars, the card was " declined. '' So, I gave XXXX XXXX my XXXX XXXX XXXX XXXX, and that card was " authorized ''. When I received the XXXX XXXX XXXX card bill in XXXX I paid it. But, a few weeks later I received a bill from Citi Card for the same amount. I called Citi Card and disputed the charge, explaining their card was declined and that I had paid XXXX XXXXXXXX XXXX XXXX for the XXXX XXXX party. They asked for proof. I sent them a copy of the receipt that indicated the decline status. After many communications and copy of the XXXX XXXXXXXX bill between me and Citi Card they told me to get in touch with the merchant .I called XXXX XXXX on his cell number ( XXXX ) at the beginning of XXXX and left a detailed message of the problem but have not heard from him. I went on line of his restaurant to find that after many years in business on XXXX XXXX he was closed permanently.., I continue to get billing from Citi Card . I contacted the XXXX consumer protection Office and they told me it was a FDIC problem .The FDIC referred me to you. Please help/ Citi card charges me interest every billing period.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with Fair Credit Reporting Act consumer 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  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. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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: Valor Intelligent Processing, LLC
State: OR

Complaint narrative:
This complaint is regarding accounts. Per track, it's been several months with no information given, no investigations performed, and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), which violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Valor Intelligent Processing, LLC
State: NE

Complaint narrative:
I have received 2 phone calls at my place of business in their attempt to collect this debt. They have used a company that goes by " XXXX '' to attempt to collect the debt. The first time they called my business, I told them to send me correspondence by mail to my home address or call my cell phone. The second time they called my business I asked the representative not to call my business anymore. Instead of saying " okay '', she proceeded to argue with me for 3-5 minutes as other employees at my business overheard the conversation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Global lending services open sky self lender XXXX XXXX remove account completely!! 
improperly reporting on all bureaus showing incorrect payment statuses late payments should not be reporting!! 

equifax, XXXX keeps reinserting the accounts after being removed!! This is the second time it has been reinserted without a 5 day notice or reasoning why and it is always showing balances or saying charged off which is incorrect reporting late payments being reported on my report from all 3 bureaus after being granted extension from original creditor a huge internal miscommunication! 
please assist me this is affecting me tremendously and the companies are lacking urgency and proficiency to help me out.

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 — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Global lending services open sky self lender XXXX XXXX remove account completely!! 
improperly reporting on all bureaus showing incorrect payment statuses late payments should not be reporting!! 

XXXX, Experian keeps reinserting the accounts after being removed!! This is the second time it has been reinserted without a 5 day notice or reasoning why and it is always showing balances or saying charged off which is incorrect reporting late payments being reported on my report from all 3 bureaus after being granted extension from original creditor a huge internal miscommunication! 
please assist me this is affecting me tremendously and the companies are lacking urgency and proficiency to help me out.

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
on equifax report the correct address is not on my report and i cant get thru to equifax i try calling no respond the only address should be on my report is XXXX XXXX XXXX XXXX ga XXXX i been living there for 4 years

Company response to consumer: Closed with explanation