vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-30 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: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I pulled my credit report and it is showing multiple inquiries from XXXX XXXX and I don't know why. I have not inquired any new credit or tried to so I am asking for these inquires to be removed from my report. it is inaccurate and needs to be removed according to 15 USC 168 ( 5 ) the following are XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NM

Complaint narrative:
This company failed to resolve my complaint submitted on XX/XX/XXXX in the same fashion as my husband which was also affected by this involuntary conversion from a fee-free account at XXXX to Citizens. I requested all the fees be refunded and this account closed with a check sent to the address provided. My husband requested this and received it in XX/XX/XXXX. I got different treatment however where the representative refunded my fees accumulated so far, but DID NOT reach out to me as claimed by e-mail ( it looks like they transcribed my address wrong - it's XXXX, not XXXX, a really obvious and sloppy error ) and kept my account open against my wishes. I have never encountered a bank refusing to close my account and send me a check for the balance. They did this deliberately to keep charging me the fee and added another frivilous fee for statements WHICH I ALSO DID NOT REQUEST. I have tried contacting this representative by phone but it always go to voicemail. The number they provide to call for general customer service has NO WAY to exit from the automated phone tree and talk to a live agent. This is the worst bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had late payments on multiple accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : # XXXX Please investigate and provide PROOF with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late.

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 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Kaydem Enterprises LLC
State: NJ

Complaint narrative:
XX/XX/2022 I applied for lending with XXXX XXXX XXXX. I signed up for their service for {$3900.00}. XXXX XXXX  XXXX looked at my credit profile and determined I have two items on my report that needed to be removed. One debt collection that has a XXXX balance yet is showing on my report. The other is from a company that I am part of a class action suit with. XXXX XXXX  XXXX has a relationship with XXXX XXXX XXXX and recommeded this company. I paid an additional fee for XXXX XXXX. I have had a 1 year membership with both companies. I have paid for membership, credit repair and credit monitoring. I asked both XXXX XXXX  XXXX and XXXX XXXX if I should pay off the item with a balance to get it removed. Both companies assured me that XXXX XXXX is able to remove the items from my credit report. It is almost 1 year later and XXXX XXXX has been unable to remove the items. In addition, XXXX XXXX has said even if I pay the company with the class action law suit ; the information will not be removed from my credit profile. I have been mislead by both companies. I am also told that because of these items I do not qualify for funding.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Consumer Financial Protection Bureau Attn . : Consumer Relations XX/XX/XXXX To Whom It May Concern, On or around XXXX XXXX, I wrote to the three major credit bureaus ( Equifax, XXXX, XXXX ) requesting an investigation into items that I believed were INNACCURATE, OUTDATED OR OBSOLETE. To date, I have not received a reply from them, or any results, verifications or validations of an investigation was completed. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that they reply within a reasonable amount of time. 

Since this is my FOURTH request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I sent letters to them on many occasions asking that these items be investigated and that verification and validation be sent to me they have not complied with my request. I regret that I am being forced to take such action. 

Please see my reasons for dispute below : I legally do not have a contract with them, and they have illegally obtained my personal identifying information without my consent. NO CONSENT IS IDENTITY THEFT! I also demand that they prove they own the debt they are trying to collect. I demand the forward flow agreement and the contract between them and the original creditor. And if my request can not be completed accurately and in a timely manner these items be deleted from my credit report immediately! According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) I have a right to accurate information reported on my credit. 

XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX  {$190.00} XXXX XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX {$900.00} XXXX XXXX XXXX, XXXX {$640.00} XXXX XXXX XXXX {$460.00} I also understand that you are required to notify me of your investigation results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 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: GA

Complaint narrative:
I checked my report to buy a car and I seen frivolous amounts of inquiries on my report that I did not authorize nor recognize here is a list from Transunion 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

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 2023-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Alliance CAS, LLC
State: FL

Complaint narrative:
I was laid off due to COVID, and was having trouble with mortgage payments. The mortgage company, modified the loan, and then issued new dates to start making payments, during this time the Homeowner 's Association, sent a bill, in which we had trouble paying for {$400.00} for the annual payment. I tried to let XXXX XXXX XXXX Homeowner 's Association know that, we had trouble making the payments, but by then they had turned the account over to Alliance CAS, in which {$400.00} was paid for the missed yrly payment, now Alliance CAS sent a letter stating we now have at pay them, over {$2800.00} in total for lawyer fees and other fees, including the fees due. I wanted to speak with the original creditor, which is XXXX XXXX XXXX XXXX. to make any payments, in which I was contracted with them to do so. There was no understanding from the Homeowners Association, on the part of trying to work out a payment at the time, and anything paid to them is not going to XXXX XXXX 's but to Alliance CAS.

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 2023-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I reached out to Commonwealth via letter on XXXX XXXX asking them to validate the reason this was entered on my credit report without contacting me and providing information validating that the debt belongs to me. They sent a statement from XXXX with my name for a patient name of XXXX XXXX, which isn't me and who I am not a personal guarantor for. I then reached out to them via phone on XX/XX/XXXX and told them they have illegally placed this on my credit report in which has caused me to be denied credit. I would like this removed from my credit report and mailed to me an updated credit report and a check for {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX I received a notice from my credit reporting company that Mr. Cooper DBA Nationstar, the servicer of my mortgage, filled a delinquency notice on my mortgage which is the basis of this complaint. 

On XX/XX/XXXX I went to increase my principal payments against my mortgage. This led for some reason Mr. Cooper DBA Nationstart to double withdraw the amount of {$1500.00} which they then reversed a payment for one of the charges. 

On XX/XX/XXXX Mr. Cooper DBA Nationstar once again changed {$1300.00} Plus and additional principle payment of {$250.00}. And once again they reversed the payment. 

None of this I was aware of as I'm on autopay and this money comes out from a savings account that I fund annually to pay my mortgage. 

I then received communication at the end of XXXX that my account was past due. I called customer service, and the agent explained there was some mistake with the autopay. Infact, also noticed that my account information was not mine. IE the direct deposit information was changed without my consent or knowledge, and it was someone else 's bank information. I have no idea how this happened and the customer agent did not either. 

I then immediately made two payments of {$1300.00} on XX/XX/XXXX and Mr. Cooper DBA/Nationstar agreed to refund all late fees and apply any additional interest charged to my principle. 

Then on XXXX I received a notice from my credit reporting company that Mr. Cooper DBA Nationstar, the servicer of my mortgage, filled a delinquency notice. This dropped my credit score from XXXX to XXXX. In my entire adult life my credit score has never been this low. I have spent my entire life building this credit score. Now this company can ruin it overnight because of their own ineptitude and lack of oversight? 

I have reached out but have not yet heard back from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-30 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: AL

Complaint narrative:
I am writing to request validation of the debt that you are reporting on my credit report. I have not received a validation letter from you, and as a result, I am disputing the validity of this debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide consumers with validation of any debt being collected. This validation should include the name of the original creditor, the amount owed, and any other relevant information. 

Since I have not received a validation letter from you, I am requesting that you provide me with the necessary information to validate this debt as soon as possible. If you are unable to provide me with proof of the debt, I am requesting that you remove this item from my credit report. 

I would also like to remind you that, under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report accurate and complete information. If you are unable to validate this debt, it should not be reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: SC

Complaint narrative:
Harris & Harris , LTD is demanding {$56.00} from me while harassing me via phone. Harris & Harris , LTD are aware this alleged debt was paid to the original creditor responsible for medical services received. 

Attached proof of payment will prove Harris & Harris , LTD are harassing me for {$56.00} with no contractual agreements to supports goods or services exchanged. 

XXXX XXXX left two voice mails on XX/XX/2023 and XX/XX/2023 on my private line. Harris & Harris , LTD does not have a permissible purpose to contact me. 

Harris & Harris Ltd received a notice on XX/XX/2023 to validate the alleged debt in question. 
XXXX XXXX and XXXX XXXX authorized representatives of Harris & Harris Ltd left several voicemail messages after USPS confirmed mail receipt. On a previous recorded call I requested Harris & Harris Ltd to cease and desist. The representative confirmed receipt of the validation notice and she was kindly asked to cease and desist. Harris & Harris Ltd are still calling.

Harris & Harris , LTD are debt collectors demanding a debt on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have not received any goods or services from Harris & Harris , LTD and I do not know how Harris & Harris , LTD received my private medical information. Please be advised no consent to treat documents bare the name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX is not a medical facility with active medical degrees allowed to collect funds from their alleged patients. 

Harris & Harris , LTD ignored the Validation request and continues to harass me by phone. Harris & Harris , LTD are aware they do not have a permissible purpose to contact me for any reason in regards to anything. There are no contracts in place to support we have agreed to honorably conduct business and I do not agree to pay/tender anything to Harris & Harris , LTD. , on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at the expense of my private medical information being on display to whomever. 

Harris & Harris , LTD proved they are willing to do whatever they can to force their alleged clients into paying debts while violating their HIPPA rights in the process. I am being harassed for an alleged debt having nothing to do with Harris & Harris , LTD I am not a party to any agreements that Harris & Harris , LTD may or may not have with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am not responsible for Harris & Harris , LTD purchase / transfer from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have not agreed to pay/tender anything to Harris & Harris , LTD . 

At this time, I demand no further contact from any associate or authorized representative of Harris & Harris , LTD . 

All calls are recorded for my safety. Kindly Cease and Desist. 
I have included all proof in the attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On or bout XX/XX/23 I sent XXXX, Equifax, and XXXX a dispute of certain information on my credit report. 
On XX/XX/23 XXXX sent me an email telling that they will not investigate because it appears someone else sent the dispute on my behalf. 
On XX/XX/23 XXXX sent me a letter telling me they will not investigate the dispute because it looks like someone else submitted the dispute on my behalf. 
Till Date Equifax has not responded. 
On XX/XX/23 I sent a response to XXXX advising them that I did in fact send the dispute and they were obligated to respond which they received on XX/XX/23 ; See Tracking # XXXX On XX/XX/23 I sent a response to XXXX advising that I did send the dispute which they received on XX/XX/23 ; See Tracking # XXXX Till date Equifax has not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On or bout XX/XX/23 I sent XXXX, XXXX, and Experian a dispute of certain information on my credit report. 
On XX/XX/23 Experian sent me an email telling that they will not investigate because it appears someone else sent the dispute on my behalf. 
On XX/XX/23 XXXX sent me a letter telling me they will not investigate the dispute because it looks like someone else submitted the dispute on my behalf. 
Till Date XXXX has not responded. 
On XX/XX/23 I sent a response to XXXX advising them that I did in fact send the dispute and they were obligated to respond which they received on XX/XX/23 ; See Tracking # XXXX On XX/XX/23 I sent a response to Experian advising that I did send the dispute which they received on XX/XX/23 ; See Tracking # XXXX Till date XXXX has not responded.

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 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Consumer Financial Protection Bureau Attn XXXX : Consumer Relations XX/XX/XXXX To Whom It May Concern, On or around XXXX XXXX, I wrote to the three major credit bureaus ( XXXX, TransUnion, XXXX ) requesting an investigation into items that I believed were INNACCURATE, OUTDATED OR OBSOLETE. To date, I have not received a reply from them, or any results, verifications or validations of an investigation was completed. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that they reply within a reasonable amount of time. 

Since this is my FOURTH request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I sent letters to them on many occasions asking that these items be investigated and that verification and validation be sent to me they have not complied with my request. I regret that I am being forced to take such action. 

Please see my reasons for dispute below : I legally do not have a contract with them, and they have illegally obtained my personal identifying information without my consent. NO CONSENT IS IDENTITY THEFT! I also demand that they prove they own the debt they are trying to collect. I demand the forward flow agreement and the contract between them and the original creditor. And if my request can not be completed accurately and in a timely manner these items be deleted from my credit report immediately! According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) I have a right to accurate information reported on my credit. 

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  {$460.00} I also understand that you are required to notify me of your investigation results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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