vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-01 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: NY

Complaint narrative:
I reviewed my credit reports and discovered 6 Fraudelunt accounts, on my credit reports.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 2022-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I reviewed my credit reports and discovered 6 Fraudelunt accounts, on my credit reports.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: FL

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
I began financial hardship and contacted my mortgage Co. For help about XX/XX/2020. 
They directed me toward loss Mitigation division. They required XXXX documents, pay stubs, bank statements, tax info, etc. I would mail off the documents, wait a while and call to confirm they received them. They would then tell me to call back in 2 weeks. Then they would tell me they needed more check stubs or bank statements for specific dates or time spans. Then tell me to call back in 2 weeks. 

This went on for a year and a half during COVID-19. Even after I informed them my hardship had ended. 

Then they put me up for sheriff sale and sold the mortgage to another company. This new company has been difficult to communicate with. 

I feel the first company caused the problem with their COVID-19 policies then just passed me off to someone else.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
I was pre-approved for a personal loan with Citi. All of the paperwork that I signed indicated that the payments were due on the XXXX of each month. The payments are auto deducted from my checking account. Each month since XX/XX/2022, the payments came out on the XXXX. In XXXX, the payment was taken on the XXXX. I have a big problem with this. 

If Citi starts to do whatever they want to do, this may cause a huge problem for me. I am very angry about this. 

This could have caused checks to bounce, and would have cost me even more.

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 2022-06-01 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: NY

Complaint narrative:
i am a victim of identity theft. there are accounts as a result of fraud on my credit profiles all are student loans. i have disputed these fraudulent accounts and the credit bureaus refuse to remove them even with a police affidavit. this is causing me injury, prejudice and damages.

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 2022-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
i am a victim of identity theft. there are accounts as a result of fraud on my credit profiles all are student loans. i have disputed these fraudulent accounts and the credit bureaus refuse to remove them even with a police affidavit. this is causing me injury, prejudice and damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
My XXXX XXXX XXXX  children are in the middle of unethical business practices. I have attached my email of complaint about my concerns with the handling of my daughter and myself when I got involved yesterday, XX/XX/22. 

I have advised my daughter and son not to pay anything until this issue is resolved. The bill transferred to collections totaled XXXX yet my daughter was promised a payoff amount of XXXX. 

The manager, XXXX, rescinded the offer because I questioned the legality of advising my daughter to go to a specific loan company, XXXX, which charges an origination fee after she had told them that she could only afford minimum payments and that the debt was not all hers. She was the only one that answered their call. 

My biggest concern is that the offer was never documented or sent. They promised to clear her name and whomever she chose, but how is that legal to the other former tenants? Then after advising her to get a loan to repay the debt, as if there was no other option, they called her twice in one day to try to get her to make the payment after she told them that XXXX had not deposited the loan into her account. Then when I requested to speak with them and got permission, and questioned their processes for handling young adults that are naive to their options, the same manager that ill-advised her, insulted and threatened us. 

He was rude from the start of the conversation and in a condescending tone, said since I am her mom, why don't I just pay off the XXXX loan. He was on speaker so my kids ' stepfather also heard the brief and unprofessional conversation. And as the manager, XXXX blurted out that he was rescinding the offer and notating my daughter 's account as refusing to pay and threatening to forward it to their legal department, their stepfather took over the call and expressed anger before I hung up the phone. 

I sent an email yesterday, attached. We have not received a response as of today at XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX in XXXXXXXX XXXX is notorious for coming up with charges years after medical service ( my daughter has received bills XXXX years after she has been there and my husband just received notice he has a credit from XXXX years ago ). I have not been to this hospital since XX/XX/XXXX. They turned my balance over to Credit Systems International and a derogatory mark was made on my credit report on XX/XX/XXXX. I have not received any other bills from XXXX XXXX except for a worker 's compensation claim and that was taken care of. On XX/XX/XXXX I received a collection letter from Credit Systems International in the amount of {$71.00}, and I discovered another derogatory mark was made to my credit report on XX/XX/XXXX, XXXX days before I even received the collection letter. If my balance with XXXX XXXX was reported on my credit report in XXXX, and I haven't been to that XXXX since XX/XX/XXXX except for the worker 's comp claim last year, then how do I owe them anything? And how can a derogatory remark be made on my credit report days before I was even aware of the so-called charges?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FISERV FINXACT CORE
State: ID

Complaint narrative:
XX/XX/2022 : Discovered unauthorized attempt on husband and wife 's bank accounts to extract {$1700.00}. 
XX/XX/2022 : Met with banker re : unauthorized attempt ; she froze both accounts and opened 2 new accounts, transferring all current activity to the new accounts. 
XX/XX/2022 : Received letter dated XX/XX/2022 from TRS Recovery Services stating husband owed {$1700.00} to their client XXXX XXXX. Advised to either respond and dispute debt within 30 days or pay it. 
XX/XX/2022 : Composed statement for filing Police Report that we dispute this charge. 
XX/XX/2022 : Filed Police Report for fraud against TRS Recovery Services for unauthorized attempt to withdraw {$1700.00} from 2 bank accounts. 
XX/XX/2022 : Composed Response Letter to TRS Recovery Services, disputing the debt and mailed it with copies of Police Statement, Police Report, and dispute box checked on original letter from TRS Recovery Services. 
XX/XX/2022 : Received Second Notice dated XX/XX/2022, from TRS Recovery Services, still demanding payment AND now advising husband has been reported to XXXX XXXX, XXXX and will remain in their database until the {$1700.00} is paid.

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 2022-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
i went to the car dealership to find a car they said they was going to use of bank than i looked at my credit report and they was use alot other banks such as 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: OH

Complaint narrative:
i went to the car dealership to find a car they said they was going to use of bank than i looked at my credit report and they was use alot other banks such as 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 2022-06-01 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: NJ

Complaint narrative:
Under 15 U.S.C. 1681i ( XXXX ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be DELETED immediately Under 15 U.S.C . 1681i ( XXXX ) Method of verification this account is in violation it was reported without valid evidence XXXX Account Number : XXXX As a consumer by law this account must be DELETED immediately Under 15 U.S.C . 1681i ( XXXX ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account XXXX : XXXX As a consumer by law this account must be DELETED immediately.

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 2022-06-01 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: OH

Complaint narrative:
I have a collection on my account from XXXX XXXX XXXX for {$1000.00} from a company called XXXX XXXX XXXX XXXX. I disputed the account with Experian because I have never heard of XXXX XXXX XXXX XXXX. I've looked for information on the company online and all I can find is a closed business. The dispute came back validated. I have no idea who was contacted or what information was used to " validate '' this account with a closed company I have never heard of. Now, I can not submit a new dispute without having some sort of proof or documentation. I don't know what I could show on an account I know nothing about. Please help me sort out what is going on.

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 2022-06-01 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: FL

Complaint narrative:
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation

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 2022-06-01 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: NY

Complaint narrative:
i am a victim of identity theft. there are accounts as a result of fraud on my credit profiles all are XXXX loans. i have disputed these fraudulent accounts and the credit bureaus refuse to remove them even with a police affidavit. this is causing me injury, prejudice and damages.

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 2022-06-01 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: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/2022 using PayPal credit I made a purchase in the amount of {$1400.00}. Upon receiving the purchase receipt, I identified that PayPal charged my bank account. I contacted my bank to stop the payment because I do not have that amount of cash available for thar purchase. I then proceeded to contact PayPal who informed me that the reason why it was put thru on my bank was because the credit limit on my PayPal credit account was not sufficient, and that the system assumes that it is okay to use a second funding source without notifying me by providing me an adverse action notice and or giving me the option to proceed with the purchase. I contacted PayPal on XX/XX/2022 who advised me to contact the merchant directly for a refund, after numerous failed attempts to get refunded from merchant I opened a dispute with PayPal XXXX XXXX  who until this day XX/XX/2022 have not given me a resolution and instead I received a collection letter from a debt collector. PayPal unfair and deceptive practices are a violation to my consumer rights to fair and honest dealing it is causing negative credit reporting, financial distress and negatively impacting me, my finances and my credit..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: CITIBANK, N.A.
State: PR

Complaint narrative:
It appears in XXXX  credit report to accounts from citi bank with late payments, this information is incorrect since I never pay late and I spoke to the bank and they said they don't have any negative information from me in there records. I also dispute this accounts with XXXX and they return it saying that everything is correct which is not.

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 2022-06-01 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: FIFTH THIRD FINANCIAL CORPORATION
State: MD

Complaint narrative:
This is my response to the incorrect " analysis '' done by the bank : XXXX XXXX : Please see the attached response to our complaint from XXXX XXXX, in regards to the misapplied payment and XXXX credit bureau reporting by 5/3 Bank. 

The key takeaways from XXXX XXXX 's response : 1. The bank applied {$10.00} on XX/XX/22 to complete the shortage of the XXXX payment. Why wouldn't the bank do this on XX/XX/22, when the second payment was actually received? What we are observing is that the bank had enough of our funds to complete the misapplied XXXX payment but reported it late anyway. 

2. We have additional properties and are not always using this home ; therefore, the timely checking of mail is not always possible. Why would 5/3 Bank choose not to email or call in situations such as this?

3. It seems that 5/3 Bank would choose to ruin a valued client/customer relationship over {$10.00}, rather than making a goodwill adjustment in a unique situation. The payment history and credit was perfect. What does the bank gain from needlessly damaging a customer 's credit and then wasting its own resources dealing with the escalation? 

4. Since the escalation of this issue began, at least five people have touched this account and now additional members of the executive and board team are starting to get included. Was the refusal to do a goodwill credit reporting adjustment worth it for the bank? 

Next escalation steps if this matter remains unresolved ( please confirm resolution by XXXX XX/XX/22 ) : 1. A copy of this response will be submitted to CFPB, XXXX, and credit reporting agencies. 

2. Additional board members will be included on future outreach ( email and phone ). 

XXXX. This experience will be shared on social media, along with the business contact information of all the relevant people involved ( based on the current reviews of this bank, it seems there are plenty of people who would find it useful to share their negative experiences with the leadership of this bank ). 

Regards

Company response to consumer: Closed with explanation