vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-04 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: AZ

Complaint narrative:
Repeated phone calls. 
Billing errors that I don't recognize. 
Harassment Joining with alleged original creditors to report negative information to extort payments. 
I keep seeing this negative information on my report, and I have never done business with them. 
Company has obtained my personal information without my permission or consent. 
Original Creditor sold my information without my consent. 
Company is attempting to extort payments by reporting negative information about me. 
Company has no documents signed by me allowing them to call and harass me. 
They call several times per day even though I asked them to cease and desist.

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 2022-11-04 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: AZ

Complaint narrative:
Repeated phone calls. 
Billing errors that I don't recognize. 
Harassment Joining with alleged original creditors to report negative information to extort payments. 
I keep seeing this negative information on my report, and I have never done business with them. 
Company has obtained my personal information without my permission or consent. 
Original Creditor sold my information without my consent. 
Company is attempting to extort payments by reporting negative information about me. 
Company has no documents signed by me allowing them to call and harass me. 
They call several times per day even though I asked them to cease and desist.

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 2022-11-04 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: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
Reporting negative Information on my report. 
Says I have an open account this is false. 
Is accessing my personal information without consent. 
Negative information Reporting to extort payments. 
Never done business with company. 
Never gave consent for company to use my personal information. 
Never gave consent for company to report negative information. 
In collusion with alleged original creditor to extort payments.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on an account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: AZ

Complaint narrative:
Reporting negative Information on my report. 
Says I have an open account this is false. 
Is accessing my personal information without consent. 
Negative information Reporting to extort payments. 
Never done business with company. 
Never gave consent for company to use my personal information. 
Never gave consent for company to report negative information. 
In collusion with alleged original creditor to extort payments.

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 2022-11-04 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: AZ

Complaint narrative:
Reporting negative Information on my report. 
Says I have an open account this is false. 
Is accessing my personal information without consent. 
Negative information Reporting to extort payments. 
Never done business with company. 
Never gave consent for company to use my personal information. 
Never gave consent for company to report negative information. 
In collusion with alleged original creditor to extort payments.

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 2022-11-04 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: FL

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2XXXX 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 2022-11-04 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: FL

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: Netspend Corporation
State: CA

Complaint narrative:
Someone with a net spend account under my name and other information logged into my XXXX account and changed my direct deposit information that was originally set to receive payments to XXXX XXXX. XXXX goes through the company I work for to show my timesheets and paystubs. Net spend refuses to let me cancel this card which I never made nor authorized to be made and this card now has access to my paycheck that Ive worked very hard for the past XXXX weeks.

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 2022-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
I DO NOT OWE SOUTH WEST CREDIT SYSTEMS {$2.00} I KEEP DISPUTING THIS. I AM CAUGHT UP IN XXXX BREACH WHICH THEY NEED TO DISPUTE ALL THIS OFF MY CREDIT FOR GOOD, CREDIT MONITORING NOT DOING ANYTHING THEY REALLY NEED TO BE SUED FOR XXXX IF I CAN. I AM NOT GOING FOR NO THATS NOT FAIR TO ME OR ANY OTHER PERSON CAUGHT UP IN THE XXXX XXXX SO THERE IS SOMETHING THAT NEEDS TO BE DONE. YES DISPUTE EVERYTHING ON XXXX XXXX XXXX XXXX XXXX YEAH I APPLIED SOMEBODY STOLE THAT TOO. NOW I CANT GET AN ACCOUNT. ITS GETTING ANNOYING KEEP HARASSING ME OVER DEBT NOT MINE DELETE IT FOR GOOD. FOR I FIND OUT HOW TO SUE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was scammed out of XXXX for a real estate rental, XXXX XXXX, my bank did not warn me of or provide me with fraud protection. The money was transferred into a bogus account set up by a hacked email

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 2022-11-04 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: FL

Complaint narrative:
Hello my name is XXXX XXXX and XXXX have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
All student loans are paid in full/XXXX  balance. This includes DOE XXXX XXXX, XXXX ( now XXXX ) and XXXX. The balances are reflected as paid in full/XXXX  balance on the credit report, however, the accounts are still showing as delinquent and negatively impacting my credit score. XXXX  informed me that the credit bureaus had been notified in XX/XX/2022 that all balances are paid in full/XXXX  balance yet Transunion on XX/XX/2022 informed me that XXXX ( now XXXX ) is still reporting as delinquent. I would like all delinquent accounts that are paid in full/XXXX  balance to be removed from 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 2022-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Velocity Portfolio Group
State: AZ

Complaint narrative:
Company reporting negative information on my report. 
Company using personal information without consent. 
Company obtained personal information without consent. 
Company reports negative information on my report to extort payments. 
I have not done business with Company.

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 2022-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
For 6 months I have been being billed {$0.00} followed by a ghost charge - I was denied during the {$100.00} signup promotion & company never provided a response by physical mail or reason as to why I was denied I believe this company may be age discriminating

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: GA

Complaint narrative:
I was in forbearance due to covid. It ended XX/XX/2022. I am in the process of applying for a modification. I have had to send the app twice. I called on XX/XX/XXXX to check on status and make a mortgage payment and was told i could not make a payment and that my house was already under foreclosure. I was not even late on a payment so to prevent me from paying my mortgage and placing me in foreclosure putting me in an even worse situation is unbelievable. Noone called to follow up like they said they would. It is now XXXX and my modification app is still pending. No idea when that will be done and noone has called to speak to me about it. I cant access my account online. There is no true system in place to help anyone. THEY WONT LET ME PAY MY MORTGAGE. I WAS NOT EVEN LATE YET. NOW I AM.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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:
I tried fixing this since XX/XX/2022 The collection is XXXX XXXX XXXX {$1600.00}. This collection has violated the HIPPA Law and FCRA! 
Also Ive done FTC for inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Company has been billing me {$79.00} for over 12 months & when disputed, they issued a 50 % refund instead of 100 % on all charges the bill should be {$27.00} max & they & XXXX have conspired against seniors by signing them up for accessories they do not need. I will also be reporting to the FCC

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 2022-11-04 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: AZ

Complaint narrative:
Hello, I submitted a request to all three major credit companies, XXXX, Transunion, and XXXX, on XX/XX/2022. I asked to have an investigation done on various accounts on my credit report, including some that I stated may have been fraudulent. I sent my inquiry letters by certified mail and got a receipt of delivery which I can provide if needed. I received a response from only one company XXXX on XX/XX/2022, requesting more information. This was sent 5 months after receiving my initial request. I received no response from the other XXXX companies. It is now XX/XX/2022. This is unacceptable and from my understanding, they are to remove the requested items due to their lack of response.

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 2022-11-04 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Hello, I submitted a request to all three major credit companies, XXXX, XXXX, and Experian, on XX/XX/2022. I asked to have an investigation done on various accounts on my credit report, including some that I stated may have been fraudulent. I sent my inquiry letters by certified mail and got a receipt of delivery which I can provide if needed. I received a response from only one company XXXX on XX/XX/2022, requesting more information. This was sent 5 months after receiving my initial request. I received no response from the other XXXX companies. It is now XX/XX/2022. This is unacceptable and from my understanding, they are to remove the requested items due to their lack of response.

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 2022-11-04 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:
Upon my records indicates TransUnion, LLC is reporting inaccurate information on my consumer report. In addition, The XXXX XXXX has been DELETED from my consumer report by consumer reporting agency XXXX XXXX XXXX XXXX. The banking system is depending upon fair and accurate reporting, TransUnion, LLC has a duty additionally failing to comply by willfully failing to follow reasonable procedures to assure accuracy. Inaccurate information a consumer reporting agency shall DELETE by law. In addition, there is a outstanding balance invoice attached. SEE Attachments.

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 2022-11-04 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:
XXXX XXXX is a third party LLC who take information from Secondary companies and post it to their website against the ORIGINAL CREDITOR knowledge. 
XXXX XXXX is committing AGGRAVATED identity theft. 
XXXX XXXX is committing FRAUD and related activities in connection with identification documents, authentication features and information, KNOWINGLY! 
XXXX XXXX does NOT have permissible purpose. 
All of these violations stated above are just a FEW laws that XXXX XXXX has knowingly violated. 

I, XXXX XXXX am the original creditor. 
I, XXXX XXXX am the only one who dictates what goes on my consumers credit report. 
I, XXXX XXXX did not and never will give XXXX XXXX my written consent to report anything negatively to my consumers credit report. No consent is IDENTITY THEFT! 
XXXX XXXX retrieved information from someone else other than myself, which is FRAUD! 
XXXX XXXX has sent emails from TRANSUNION, XXXX, XXXX credit bureaus FOR XXXX XXXX. 
All parties are liable and are in connection with committing numerous codes in which they have knowingly violated. 

XXXX XXXX, as a consumer I am demanding you to please send me a copy of my handwritten letter giving you my written instructions to report any of this to my consumers credit report. You can send me my handwritten copy to : XXXX A copy of a FEW of the laws that you violated will be attached to this letter. 

XXXX XXXX is abusing their companies by committing numerous of crimes. 

XXXX XXXX, you have stolen my identity along with every other second LLC. 
You are in violation of the following codes : 15 USC 1681b ( 2 ) 18 USC 1028 15 USC 1602 ( a ) ( b ) & ( g ) 15 USC 1681 ( a ) ( 4 ).

XXXX XXXX has to be stopped!

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 2022-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have XXXX accounts with Comenity Bank and they have not reported my new balances to the credit bureaus since XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-04 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I paid {$2000.00} for a one week stay at XXXX resort in XXXX XXXX. However, I had to leave 2 days early. The resort agreed to refund the remaining balance of {$570.00}. I have a email from management authorizing the refund. Now the resort wants to charge me the {$570.00}. I have contacted the chase cradit card company but getting the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Company reporting negative information on my report. 
Company using personal information without consent. 
Company obtained personal information without consent. 
Company reports negative information on my report to extort payments. 
I have not done business with Company.

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