vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-25 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:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$14.00} XX/XX/XXXX XXXX  XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$740.00} XX/XX/XXXX XXXX XXXX XXXX {$780.00} XX/XX/XXXX XXXX  XXXX XXXX {$660.00} XX/XX/XXXX XXXX XXXX {$2500.00} 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 2023-04-25 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: TX

Complaint narrative:
See the documents attached. 
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2023-04-25 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: IL

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.

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 2023-04-25 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: VA

Complaint narrative:
I have satisfied the following accounts with the following companies and as a result was notified that these accounts would since be removed from my credit report as a Good Faith. These accounts are yet to be removed from my credit file. I request these accounts be Verified through a replicable source outside of the e-Oscar SysteXXXX and removed from my credit report as they no longer pertain to me Due to the debt being satisfied.

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 2023-04-25 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: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I've recently submitted an offer of performance to Resurgent Capital Services to dispute the Alledged debt for XXXX from the XXXX XXXX XXXX current owner LVNV funding llc.They 're violating federal laws FDCPA by using false and deceptive practices. I sent notice requiring a validation of debt to the agency resurgent capital services, whereby they replied with a fraudulent notice of a verification of debt which isn't a validation of debt. I respectfully urged them to reply to the validation of debt questionaire which they failed or attempted to deceive me by answering with a verification of debt. A verification of debt is not debt validation by LAW. Furthermore they never received any consent to furnish negative information on my consumer report. I have a right to privacy which they are also violating. This is damaging my character ( defamation ) they will/shall be held liable. I have proof of what they sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: TX

Complaint narrative:
I paid into my escrow account monthly so that my Home Owner 's Insurance would be paid " hassle free '' every year by my mortgage company. 
On XX/XX/XXXX BSI Financial wrote and mailed a check to XXXX XXXX XXXXXXXX XXXX for XXXX. I assumed the check paid the annual premium and all would be well. 
I checked my Escrow balance and the XXXX had indeed been deducted, so again, I reasoned that the Insurance Premium had been paid. 
XX/XX/XXXX, I received a notice of non payment from XXXX. So, I called BSI who said the check had accidentally been sent to the wrong department, but would be reissued promptly. 
XX/XX/XXXX, I received another notice of non payment from XXXX. Again I called BSI who assured me the check was on the way. 
XXXX agreed to keep the policy active while waiting for the check. 
BSI kept insisting the check had been cashed. I asked for a front and back copy of the cashed check to provide to XXXX ( this request was initially denied ) Inevitably, XX/XX/XXXX my insurance agent informed me that my homeowner 's insurance policy had been cancelled due to nonpayment. 
I called BSI Financial who provided a check # XXXX showing that the check was paid. The ball pings back to XXXX. I call XXXX and provide the check details and the front and back check copy. XXXX informs me that they never received the check. XXXX 's endorsement stamp is not signed on the back of the check. Someone wrote their name on the back of the check. So the ball pings back to BSI. I called and asked BSI to investigate who's bank account the funds went to and to please help me recover the missing funds. ( Obviously, I did not write a personal check, so I have no authority to call BSI 's bank and report a fraudulent check and request the funds to be recovered. ) BSI insists that XXXX is responsible because BSI mailed the check to XXXX. XXXX XXXX, also points out that the check has no notes in the memo section to include a policy number or policy holder name. The check looks very shady. XXXX insists they never received, much less cashed, the check. Now, BSI has the responsibility to follow up and ask the bank to recover the funds if the check was fraudulently cashed. I am stuck in the middle. I now have $ XXXX missing from my escrow account and a cancelled home owner 's insurance policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Silverman Theologou, LLP
State: FL

Complaint narrative:
In XX/XX/2023, I was contacted by Silverman Theologou , LLP by phone that XXXX XXXX XXXX XXXX retained them to sue me for a credit care debt. They claimed they were going to file a lawsuit against me if I did not work out a payment plan with them. I was told to make a payment of {$900.00} by XX/XX/XXXX and payments of ) {$180.00} for 72 months until my debt was paid. I explained to them I had no income but I would try. I was told I would receive documents to my email to sign the payment agreement. I never received anything. I could not make the payment in time and Silverman Theologou , LLP tried to charge my card 72 times and cost me more fees for declining. I contacted Silverman Theologou , LLP and told them I did not have the money. When my taxes came in XXXX I contacted Silverman Theologou , LLP and made a payment of {$500.00} because that was all I could afford, I was told payments would stay the same and that my receipt would be sent to my email as well as the new payment agreement. I never received either. Silverman Theologou , LLP Repeatedly calls me several times a week and has yet to provide me any documentation. I contacted the original debt and they confirmed that Silverman Theologou , LLP was their attorneys but did not provide me any information either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
This issue is between Chrysler Capital, XXXX and XXXX. 

My vehicle was totaled in XX/XX/XXXX and the account was not closed until XX/XX/XXXX due to issues between Chrysler and my insurance company. During the majority of this time, I was still expected to make payments. My last payment made was for the month of XX/XX/XXXX. This payment was made on time. However, when I review my credit with XXXX and XXXX, it shows a 60-day delinquency in my negative score factors, associated with my auto score. This delinquency does not show up on my credit report as a delinquency, but for the month of XX/XX/XXXX, instead of displaying that a payment was made, it rather shows that the account was closed. Because of this being coded incorrectly and not reflecting that a payment was made, it is causing the delinquency. 

I have disputed this with the credit bureaus with negative results. I have also with Chrysler numerous times also with negative results. Chrysler stated to me that they are not able to update how that payment is coded even after acknowledging that a payment was in fact made and that it was made on time. They acknowledged understanding that it is affecting my credit score but stated there is nothing else that they can do for me. This is unacceptable. This has been very detrimental to my credit score that I have worked very hard to keep up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
Navient is reporting a 90 Day Delinquency in XX/XX/XXXX when the account was covered under the Federal Covid Relief Program established XXXX XXXX. The loan origination was established as a federal loan in XX/XX/XXXX, which covered the account 's payments, interest and collections activities under the Covid Relief Program. Navient has refused to acknowledge the loans origination as a federal loan and instead validated their actions by stating the loan was a private loan, therefore was not covered under the Covid Relief Act which was not true. It has been requested by myself that Navient validate their claim by providing the original loan Promissory Note to support their claim and has failed to comply. 

XX/XX/XXXX is also reporting 90 days by Navient and the account was under a Hardship Deferment as the other two loans 1 and 2, which was also managed by Navient through a acquistion of XXXX XXXX profile loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: EQUIFAX, INC.
State: WA

Complaint narrative:
See the documents attached. 

I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank closed my account. I cant access funds and I need to pay my rent.

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 2023-04-25 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: IL

Complaint narrative:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 XXXXXX/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 2023-04-25 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: IL

Complaint narrative:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX XXXX {$14.00} XX/XX/XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$740.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$780.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$660.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$2500.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/XXXX of 2023, A company called XXXX took XXXX out of my checking account without my permission. I called Citi Bank and filed a claim, concerning the debit card transaction. The claim was filed and on XX/XX/2023 Citi bank provided me with a temporary credit to my checking account. On XX/XX/XXXX of 2023 XXXX also; gave me a credit to my checking account, but I was not made aware of the credit to my account not by letter nor email. So, I basically received two credits one by the company and another one by the bank. On XX/XX/2023, I checked my checking account to find that it was in the negative XXXX and this is only because there was some existing funds in the checking account at the time. On XXXX XXXX 2023 when I reached out to Citi Bank about the situation I was informed that the temporary credit had been removed from my account because the company had sent them a letter stating that they had issued me a credit as well, but I was not made aware of this. So, I asked the representative when did the merchant send them the letter letting them know that I had received the credit to my account because I believe that when Citi bank received the letter instead of them acting right away to remove the extra credit Citi Bank allowed it to sit in my account! Now here it is XX/XX/2023 and they want to take the temporary credit back which now leaves my checking account with a negative balance of XXXX. I get Social Security and Social Security XXXX  in the account, so I can not afford to be hit with a negative XXXX balance towards my account! I believe that Citi Bank did not act in a timely manner concerning the credit that was received by the merchant because if they had, then they would have been able to retrieve their temporary credit with out me ending up with a negative account balance!

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 2023-04-25 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 : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX To Whom It May Concern : I received a copy of my credit report and found the following inaccurate items which are reporting in error : [ account_name, account_number, dispute_instruction ] Under the provisions of the Fair Credit Reporting Act, I advise that these items be investigated and removed from my report. It is my understanding that you will verify these items with the creditor who has reported them. Please remove any information that the creditor can not verify. According to 15 U.S.C. Sec. 1681i ( a ), you by law, must complete this reinvestigation within 30 days of receipt of this letter. 15 U.S.C Section 604 A section 2 : It also states a consumer reporting agency can not furnish a a ccount without my written instructions. 

Remove These Accounts : XXXX Account Number XXXXXXXX XXXX XXXX Account Number XXXX REMOVE THESE INQUIRIES : XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Send back an updated copy of my credit report to the above address. I also request that you send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and attention. 

Sincerely, 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 2023-04-25 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: IL

Complaint narrative:
THIS ACCOUNT GIVING ME ANXIENTY I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..

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 2023-04-25 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: GA

Complaint narrative:
I reached out to the company and informed them that this an unauthorized transaction I didn't give permission to run my credit, I ask them to validate these inquiry. 

In accordance of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) 15 U.S.C. 1681 section 602A. States I have the right to privacy.

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

In accordance of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX { XXXX ) 15 U.S.C. 1681 section 602A. States I have the right to privacy.

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

In accordance of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX ( XXXX ) 15 U.S.C. 1681 section 602A. States I have the right to privacy.

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

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 2023-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
I have not received any information regarding possible debt, yet the company filed this on my credit report without any attempts at communication in writing, telephone, or any other correspondence.

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 2023-04-25 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: AZ

Complaint narrative:
I have contacted Transunion on at least XXXX occasions to initiate disputes into unknown hard inquiries on my consumer report. I have submitted a dispute by mail on XX/XX/2023, and I have contacted them by phone on XX/XX/2023 and XX/XX/2023. They refuse to investigate any of my requested disputes stating that I have to send in documentation before they investigate anything. They also stated by phone that they do not investigate inquiry disputes over the phone at all, and refused to take my information to initiate a dispute even when I informed them I was a victim of fraud. They keep misstating the law on a consumer who initiates a dispute, stating that they could perhaps send a letter on my behalf to all the companies I want to dispute, and ask them to provide information. That would of course require me to give them authority to do something I was trying to do on my own as a consumer. Transunion is actively dodging its legal obligations under the FCRA and making consumers jump through hoops to initiate disputes.

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