vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-19 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: PA

Complaint narrative:
XXXX XXXX is reporting this account on my credit report and i have written them as well as all 3 credit bureaus challenging the 100 % accurate reporting of this account and each time they all send back a letter saying it is verified as accurate ... how is that possible? i have pointed out the inaccuracies to them all multiple times and they still ignore it and continue to violate my consumer rights... .i have attached a copy of how its reporting on my credit report for reference ..... 

they are reporting 3 different high credit limits transunion reports {$470.00} XXXX reports {$0.00} XXXX reports {$240.00} they are reporting 3 different dates of last payment on my report transunion and XXXX are reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX but if you look on the 2 year payment history XXXX is also reporting XX/XX/XXXX as the date of last payment they are reporting 3 different dates of last active transunion reports XX/XX/XXXX XXXX reports XX/XX/XXXX XXXX reports XX/XX/XXXX i believe they are not conducting full and proper investigations as required by law ... .this reporting is not 100 % accurate at all and they are pencil whipping the responses

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 2022-12-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Luckmore Finance
State: LA

Complaint narrative:
Luckmore Finance XXXX advised I was discriminated against for not having sufficient credit and my collateral was not new enough on the phone. When I receive an advise letter they mentioned information I was not disclosed of. The letter indicated I was discriminated against because they couldnt verify employment. They did not ask me to send anything to verify employment, I did provide my employers number. If anyone calls my employer to verify employment they are transferred to the appropriate department ( I have transferred others that has called to verify a peers employment with us to that department ). They also mentioned other reasons in which they did not advise me of when in fact I did ask for the reasoning.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
State of Florida, Department of Economic Opportunity ( DEO ), thru The Homeowners Assistance Funds program, ( HAF ) is making my monthly mortgage payments to Caliber Home Loans for next six months. 
State of Florida 's special payments unit in XXXX Florida, assured me several times that monthly payments are being sent on the 1st each month to Caliber Home Loans. 
For some unknown reasons, Caliber Home Loans are not crediting such payments on time, therefore I'm incurring in late fees and they are reporting these payments late, to all three credit bureaus, when actually these payments are made on time. 
These Homeowners Assistance Program is a Federally program to assist homeowners to avoid delinquent payments. 
The Homeowners Assistance Fund ( HAF ) confirmed on several occasions that all payments are in fact sent on the first of each and every month. They have no idea as to why Caliber is not crediting payments on time

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: IA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE 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 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 non-monetary relief
Consumer complaint received 2022-12-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber
State: CA

Complaint narrative:
On XX/XX/2021, I went to the emergency room at XXXX XXXX, 100 % of the bill was covered by my insurance company, XXXX XXXX XXXX XXXX, including all imaging and all department involved in the emeregency. But Grant and Weber send me a notice of collection from XXXX XXXX XXXX for the amount of {$380.00}. 

I disputed the amount before XX/XX/XXXX by sending an email to Grant and Weber as I was indicated, I expressed that all expenses from XX/XX/XXXX were covered by my insurance. so they should have stopped collection or any amount I disputed until they send my information that shows I own the debt, which they NEVER did. 

I called XXXX XXXX and they told me that I owned nothing. ( see attachments ). and my balance is {$0.00} as all the bill was picked by my insurance company and paid in full. 

Regardless Grant and Weber reported to the credit bureaus and every month they charge interest. And they are reporting to bureaus as missing payments every month instead of a collection. So my credit is dramatically hurt every month.

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 2022-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cooling & Winter LLC
State: GA

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Cooling & Winter for committing identity theft. On XX/XX/2022 I checked my credit report and seen that a Charged-off was flagged on my credit report. I have never given COOLING & WINTER ANY permission to use any of my identifying information to commit fraud nor have I have done any business with them. I have never received any correspondence from COOLING & WINTER about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until COOLING & WINTER can provide me with sufficient documentary evidence, such as a trilateral contract that bears my signature, that I have any legal obligation to pay them. If this documentary evidence can not be produced and COOLING & WINTER continues its collection efforts, I will file for litigation for actual damages caused and COOLING & WINTER will be held criminally liable for aggravated identity theft pursuant 18 USC 1028A, extortion, theft by deception and securities fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. Account XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: NY

Complaint narrative:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX  ( Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ), XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$610.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX XXXX ), XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$610.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-12-19 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: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
I previously submitted a claim to Sun Loan regarding an account that I do not agree with the amount and the dates reported, and from my last complaint Sun Loan stated that they were not reporting the XX/XX/2015 loan to any other credit bureau besides XXXX. This month when I refreshed my credit report, it shows that this account is reporting to XXXX and is hurting my score. I would like for the company to honor their word and remove this account from reporting immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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:
My name is XXXX XXXX. I am not a third party. I am making this complaint on my own behalf. I was a victim of identity theft and see all the fraudulent unathorized accounts on my report. I already contact the creditors and got the accounts closed. I also see unauthorized addresses on my report. 

XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX UNAUTHORIZED FRAUDULENT ADDRESS : 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 explanation
Consumer complaint received 2022-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX and XXXX and XXXX and XXXX are the same two loans on my credit report a total of 4 times instead of two. HOW MANY XXXX YEARS IS TRANSUNION GOING TO REPORT THIS INFORMATION, 22 Years later from the original date and every time someone updates that date it starts all over, the law states it has to come off my report 7 years from the original date you XXXX! Transunion is over those 7 years by 16 years, and I want those loans off my credit report immediately. For 22 Years it has said XXXX XXXX XXXX, not different companies, 22 XXXX  XXXX years! TAKE THESE LOANS OFF MY CREDIT REPORT NOW OR I WILL HOLD TRANSUNION AND CFPB RESPONSIBLE, I HAVE HAD IT WITH EVERYONE. I will file a law suit if you do not fix this immediately, you have XXXX with the wrong person both of you for 22 years now. CFPB you XXXX at your job and Transunion I hope someone throws your XXXX  XXXX XXXX in jail. You all have been warned, the next step is a suit against Transunion and CFPB. I have asked for this to be corrected for the final time. I promise you that you will all XXXX XXXX XXXX XXXX up in the biggest XXXX XXXXXXXX way ever!

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 2022-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: AZ

Complaint narrative:
Called me at XXXX XXXX!!! Woke me up. I've told this company already that this is not me and the last four of our social doesn't match. At what point can I file a law suit??

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 2022-12-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: WV

Complaint narrative:
My Victoria 's Secret Credit Card was cancelled in XXXX of 2022. Ever since I have cancelled my card it has been nothing but surprise fees and finance charges that have resulted in the fact that I am still trying to fully pay of the balance due to being continuously charged finance charges and late fees. The payment this month was due on XX/XX/XXXX, and it was paid on XX/XX/XXXX, resulting in more charges of XXXX. I was able to have my late fees refunded on XX/XX/2022 in the tune of XXXX, and that was done by a customer representative with the credit card company, Comenity. I was told that I only had to pay another XXXX payment and another XXXX payment and that the card would be at a XXXX balance. I requested a letter stating this and was told one could not be provided. The representative with the credit card company said that there is no way to waive a fee and that if I made the payment of XXXX before the billing due date that the card would be at a XXXX balance. I again requested a letter verifying this information and I was told that there would not be a letter provided until the card was actually at a XXXX balance. I am honestly fearing that there will be more finance charges and fees for a card that was closed out in XX/XX/2022. I have also not received a statement of any kind from the credit card company since XXXX of 2022. I also find it very disturbing that my card still has an available credit balance and tells me what my credit limit is when I call into their automated system for the credit card company. If the card was truly closed as it should have been in XX/XX/2022, then why am I still able to see that information? I will never ever get another credit card that deals with Comenity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-19 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: PA

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 XXXX XXXX Account numberXXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$490.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$540.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance {$540.00} Balance updated XX/XX/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 explanation
Consumer complaint received 2022-12-19 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: AZ

Complaint narrative:
LAST WEEK I WAS MADE AWARE OF XXXX FRAUDULENT, REVOLVING CREDIT CARD ACCOUNTS BEING REPORTED ON MY CREDIT PROFILE : XXXX, EQUIFAX XXXX XXXX. I CALLED THE AGENCIES THEMSELVES MULTIPLE TIMES RE : THIS MATTER AND WAS ADVISED TO APPROACH THE CREDITOR THEMSELVES : XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I FOLLOWED SAID INSTRUCTIONS TO THE TUNE OF MULTIPLE CALLS ALSO. BOTH XXXX XXXX XXXX XXXX XXXX XXXX CONFIRMED THAT NEITHER ACCOUNT WAS ASSOCIATED WITH MY NAME OR SSN : THEY ASSURED ME OF THAT MULTIPLE TIMES & SENT OVER DISPUTES FROM THEIR RESPECTIVE OFFICES. I THEN CALLED THE REPORTING AGENCIES TO CONFIRM RECEIPT OF THE DISPUTES AND THE RUN-AROUND HAS BEEN AN ABSOLUTE BURDEN. THE AGENTS ADDRESS ME AS IF THEY'RE THE VICTIM & FURTHER CONTEND THAT I, THE CONSUMER & VICTIM OF THE NONSENSE THEY'RE REPORTING, SHOULD BE THE XXXX CONDUCTING THEIR JOB OF INFO GATHERING & VERIFICATION. THE AGENCIES HAVE A DUTY TO PROVIDE FAIR & EQUITABLE REPRESENTATION AND DUTY TO CARE FOR OUR PERSONAL INFORMATION. TO DATE THAT HAS NOT BEEN DONE. I DESERVE TO HAVE MY INFORMATION REPORTED CORRECTLY. 

FURTHERMORE, THERE ARE ADDRESSES, PHONE NUMBERS, EMPLOYMENT INFORMATION, AND HARD INQUIRIES BEING REPORTED. THERE ARE NUMEROUS ERROS AND I'VE GONE IN CIRCLES TRYING TO SIMPLY GET SOMEONE ON THE LINE THAT DOESN'T HAVE A LANGUAGE BARRIER OR IS JUST MORE INTERESTED IN THEIR TALK TRACKS AND RUSHING ME OFF THE PHONE VS. GETTING THE DISUTE CORRECT FROM THE START. ITS INCOMPETENCY AT BEST OR THEY SIMPLY DON'T CARE. EITHER WAY ITS UNACCEPTABLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
End of XXXX of XXXX I went to my bank PNC in XXXX PA. I told them that I was going to be late on my next payment due XX/XX/XXXX. They asked if I ever filed for hardship I said no. He went to look at my account. I had been paying double on my account for years and this was my first late payment. He came back and. Said you dont owe anything youre all paid up. I said are you sure he said yes if you are concerned call us a few days before your due date and check again. I called before my due date and he said yes it says you havent owed a payment for sometime now. So I didnt pay another payment. I started working again and was so busy I never thought to call about the mortgage release. But I didnt pay another payment. I never heard from them again until mid XXXX and they were very quiet. They said your balloon is 90 days past due and I said my mortgage is paid off you told me it was paid off its over 5 years later and I havent made a payment why would you wait this long to call if I owed you anything? I told them to send the papers to Texas where is was currently working. And I waited. They never sent me anything but during that call they asked me when I would be returning home to PA and I told them by the first quarter. Next thing I get is a picture from my friend down the street of my house with a for sale sign in front. I checked the courts in XX/XX/XXXX and they foreclosed on my home while I was away. Thats why they asked how long Id be gone. They stole my house from me with almost 50 years of my belongings inside they didnt even secure my belongings. They told me they threw them all away. They never served me or posted anything on the door, as I had someone going by. They had been sending me XXXX balance statements for those five years. I have not been able to get an attorney to return my calls. Its been a long time that I have been displaced and mourning this entire gut wrenching experience. The contents of my life have been thrown away. Even on the court docs it is obvious that I wasnt served. They didnt even talk to me about it. If I had known how much it was that I owed i could have paid it but they didnt give me that option. I dont know what to do or how to get anyone to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MT

Complaint narrative:
I have not been able to log into myequifax.com since XX/XX/XXXX after an angry, rude, and incompetent Equifax employee CHANGED MY EMAIL ADDRESS ON MY ACCOUNT WITHOUT MY PERMISSION... TWICE! 

I now either get an error that I have no account, that the account is locked, that my password is wrong, or some other circle of error messages that won't let me log in. I called back the company and just got another rude agent who told me there's no issue on their end. This is my second complaint to the CFPB, I have also opened two cases with the XXXX neither of which were answered. 

HOW CAN EQUIFAX DENY ME ONLINE ACCESS TO MY CREDIT REPORT?? 

HOW IS IT NOT ILLEGAL TO CHANGE MY EMAIL ADDRESS TWICE WITHOUT MY PERMISSION?? 

Why are there rude jerks who barely speak XXXX with access to my credit report and personal information???

Company response to consumer: Closed with explanation