vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-16 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: PA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and Transunion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry 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 non-monetary relief
Consumer complaint received 2022-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with Consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with Consumer

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 2022-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Citigroup has responded to my previous inquiry, and has not provided adequate reasoning behind the decision to provide me a credit card. Reference # : XXXX states : " Length of time accounts have been established on your credit report '' & Your credit report shows too many recently opened accounts. 

Every credit card I've had for the past 70+ months has been paid in full, on time, each month. 

This is predatory lending at it's finest

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 2022-02-16 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXXXXXX XXXX  XXXX Date of inquiry XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Date of inquiry 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 2022-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: MI

Complaint narrative:
My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX BANK Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX CARD Date of inquiry XX/XX/XXXX XXXX XXXX XXXXe of inquiry XX/XX/XXXX XXXX CARD Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXXnquiry Date XX/XX/XXXX XXXX CARD Date of inquiry 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 non-monetary relief
Consumer complaint received 2022-02-16 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: GA

Complaint narrative:
XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX : XXXX -- -> : {$4000.00} XXXX XXXXXXXX XXXX : XXXX -- -> : {$18000.00} XXXX XXXX  : XXXX -- XXXX : {$9900.00} XXXX XXXX : XXXX -- XXXX {$1700.00}

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 2022-02-16 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: General Motors Financial Company, Inc.
State: VA

Complaint narrative:
1. I sent a letter to GM Financial that asked them to remove the tradeline ; there was no response 2. I disputed the debt again as it should have been removed per what I read on FCRA, no response 3. I tried to make a payment arrangement no response I am asking that the credit bureaus all remove this tradeline as it is well past 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: CA

Complaint narrative:
The 90 day delinquent showing XXXX is incorrect, we have not been late 90 days, we are uploading proof. We have asked mortgage company to remove but they won't and they have all our documentation and said because we finished our forbearance and now in MOD stage, they will report all lates to bureaus. What is mind blowing here is that we continued to make our regular mortgage payments and IGNORED THE MOD LOWER PAYMENT, we aren't delinquent. It's their protocal but so unfair because they are reporting to bureaus incorrectly. Please help us.

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 2022-02-16 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: TX

Complaint narrative:
No permissible purpose was given. Pursuant to 15 USC 1681b ( a ) ( 1-2 ). Pursuant to 15 USC 1681 ( a ) ( 1-4 ) the banking system is counting on consumer reporting agencies to report accurate and fair information to my credit file which you haven't. by reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of 15 USC 1681 ( a ) ( 4 ) and The Privacy Act of 1974. You also cant claimed you verified any accounts unless you an prove you did what you suppose to do Pursuant to 15 USC 1681a ( e ) Which defines " investigative consumer report '' personal interviews with neighbors, family and friends and must show proof via affidavit of fact. Pursuant to 15 USC 1681a ( e ) stats that my consumer report should not include any factual information obtained directly from the creditor. If all accounts are not removed in 30 days as stated in 15 USC 1681i ( 1 ) ( A ), I the consumer will seek remedy 15 USC 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 )

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 2022-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: IN

Complaint narrative:
I used to have XXXX XXXX until their prices continued to change. As of XX/XX/2020, I changed my provider to XXXX XXXX. I made multiple attempts to contact XXXX XXXX XXXX  to stop my service, but due to the language barrier with their service representatives, they continued to bill me for 2 more months. They are continually sending me statements & have now sold the debt, fraudulently, to a third party collection. Today, my credit score was dropped by XXXX points due to their unscrupulous tactics. I want my score restored & this debt 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 explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EQUITY RESOURCES, INCORPORATED
State: PA

Complaint narrative:
I'm writing this letter because I believe I have been taken advantage of .I was ble to purchase a home but was a difficult process. 

Copious documents and letters were requested throughout the process which I supplied. I was still being asked to render documents that were already submitted to the loan officer. I eventually had to seek legal counsel to craft a letter on XXXX XXXX, explaining my divorcee decree was legal and all economic issues were resolved. Eventually I was told I was approved XX/XX/XXXX, I went to settlement. I was told everything was a go. The day of settlement I was there for 3-4 hours waiting Eventually i was told a settlement would not take place today. No explination was given to me nor my realator. I was told they don't know what went wrong. I called them on XX/XX/XXXX, Monday and was told that XXXX XXXX  updated the system and they didn't know how to get around it. In the meantime the loan officer XXXX XXXX from Equity Resources spoke with the owner of Equity Resources Inc. 

I was quoted me a number of 5.25 % interest which was significantly higher that the original 3.5 % and PMI I asked why was the rate so high? I was told because they are going to finance the loan since they couldn't get it via XXXX XXXX and becase, " he is the owner and he can do what he wants '' Yes, I had choices but I already gave up my apartment and was stressed from this process. If I didn't take it I would have to start the process over again which was night mare or I could take the deal which wouldn't take place until XX/XX/XXXX. 
I was also told in 6 months I could refinance .Which brings me to today. 

On XX/XX/XXXX, I received a phone call from Equity Resources, XXXX XXXX another loan officer from the XXXX PA office explained he was given my file an told to call me .Mr. Kiss told me my current rate was to high 5.25 % and I would be doing them a favor by refinancing my loan. Equity Resources knew this rate for the loan ws to high to begin with but tld take it or leave it. I was trying to get a lower rate at the beginning of this process which caused me to craft this letter. I would appreciate advice on how to proceed in this matter, but also want this to be noted in the files. 

Thank you

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: OH

Complaint narrative:
Experian is flat out putting lies on my credit report and once again I have the documentation to prove it. Experian sends me an email ( check attached documents ) telling me that my credit score has just changed for the better. Well, that was a joke. I go to see my credit score and what's there is a fourteen-point drop. How is that positive? I am confused at this point? A positive change would've been my score going up or something that's actually positive being reported. This was definitely not positive!

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 2022-02-16 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: CA

Complaint narrative:
I have reviewed my credit report and there are some fraudulent account appearing on my credit report. Please see attached documents.

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 2022-02-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: PA

Complaint narrative:
You will see past complaints because I have been fighting numerous issues since XXXX. You just closed the prior complaint against Lakeview but they only addressed one of the two issues. They FINALLY realized their error in double paying a tax bill for XXXX and FINALLY reimbursed the amount and then redid the escrow analysis but they neglected to address the {$210.00} that they paid on XX/XX/2021 ( the same time they double paid the XXXX. 

This {$210.00} was a penalty payment that the prior lender charged to me in error. They admitted fault for not paying the tax bill from my escrow and after much effort Lakeview finally reimbursed me the fee. The money was sent from XXXX to Lakeview. Only to have Lakeview turn around and charge me again!!!. 

I am requesting the reimbursement of {$210.00} back to my escrow and then request that they once again run the escrow analysis. This is now going on 6 months that I have been fighting these issues first with XXXX and then with Lakeview. The beginning escrow shortage was over {$2000.00} all of which was errors on both lenders behalf. I am beyond frustrated!

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 2022-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
On or about XX/XX/2022 I called Macys XXXX XXXX credit card customer service XXXX. I called to find out why my credit limit was lowered from 2500.00 to 1100.00 without giving me prior notice and the representative did not know why and he told me that I had to speak to the credit department. On the same day, XX/XX/2022 I informed the representative that I was going to file a Fair Credit Reporting Act violations complaint against Macys and he noted everything down. My macys creit card records show that I had made a payment of 2400.00 approximately 3 weeks earlier and I believe there is no reason for Macys to lower my credit limit damaging my reputation. 

On or about XX/XX/2022 I apoke to a representative at Macys Credit Department and they told me that due to my fico score the credit limit was lowered. I argued that no prior notice was provided and that I was going to file a complaint with the FCRA. I asked about my wife 's macys credit card limit and the representative told me everyting was good and that her credit limit was staying the same at 2000.00. Aproximately 3 weeks prior I had payed macys XXXX XXXX credit card 1800.00. 

On or about XX/XX/2022 upon checking online I noticed that Macys had also lowered my wife 's macys american express card limit from 2000.00 to 1000.00. I believe macy 's did tis in retaliation after I had informed that I was going to file a complaint based on Fair Credit Act violation with a federal agency. 

I believe their actions are illegal, discriminatory and very unfair.

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 2022-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rozlin Financial Group, Inc.
State: IN

Complaint narrative:
I opened an account with XXXX on XX/XX/XXXX not knowing it was a XXXX subscription until I received the email right after. I then called XXXX  within 2hours to cancel my account stating I did not know this was a XXXX subscription, they had already took a one month subscription for XXXX and I was told that I owe XXXX. I told them to cancel my account and that I did not want a XXXX subscription, my account was then canceled on XX/XX/XXXX and they stated I could not have the XXXX refunded and I still need to pay XXXX even if the account is closed.I let them know that I would not be paying for a subscription that I am not using and that I should not have to pay since closed the account. I was contacted on XX/XX/XXXX by a collection agency RFGI XXXX XXXX XXXX stating that I owe a debt of XXXX to XXXX and they would to collect this date within 90 or they will report this to the credit bureau and this would affect my credit. I ask them if they had my social security number she stated yes, I proceeded to ask how did you get my social security number I never gave my social security number to XXXX she told me that they had my social security number, and she then was able to provide me with my social security number in which I never disclosed to them or XXXX. I then ask for a supervisor XXXX XXXX to ask how did they obtain my personal information meaning my social security number.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
- I use credit reporting services including XXXX, XXXX XXXX and XXXX, all of which reported on XX/XX/XXXX that the company had closed my account. 

- I never received ANY notification or email or mail about this from the company/bank itself. 

- I have never been late on any payments on the {$6000.00} limit XXXX  visa credit card issued by Comenity Bank, and my credit utilization has never been above 12 %. 

- I had a credit inquiry by XXXX just before the comenity credit card was closed. 

- Upon calling the customer service, they first told me they'd refer me to the XXXX XXXX agency that informed them of the change in my credit report when I asked them the reason for my account closure. I asked them if the reporting agency made the decision on closing the account, and they simply hung up. 

- I called back a second time, and this time they transferred me to a phone line for a different company altogether. 

- This company is predatory in its promotional practices and entices users with rewards programs, while not providing any necessary communication or explanations for their outsourced customer service which doesn't seem to have anything beyond XXXX lines of script.

Company response to consumer: Closed with explanation