vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I have {$3000.00} in that for what exactly I don't know I would like for this to be removed out of my credit report has been affecting me and it's been here since XX/XX/2021 this has been going on for already months and brave month and it's affecting my credit like I said before

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 2022-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
I purchased property in XX/XX/2021. Escrow account was opened with my mortgage as I called them to cancel the escrow, they denied stating that my XXXX is more than 80 %, and if it become less than 80 % I can request the cancellation. I ordered the appraisal through bank Golden1 Credit union, which was completed on date XXXX XXXX. The appraised value came lot higher, thanks to recent increase in the property prices. 
My PMI got removed. 
Bank did not paid my supplement property tax to the county, for which there was delinquency reported on my account and I have to pay the fine. When I contacted bank that why they did not pay supplement property tax, I got response that they do not pay supplement taxes. But I was not notified of that earlier. I had to pay the fine of {$350.00} due to bank 's mistake. The original amount was due onXXXX of {$3000.00} and I paid {$3000.00} on XX/XX/XXXX, XXXX. There was another amount due {$510.00} for which I paid {$560.00} After having this frustrating experience, I requested to cancel my escrow account so that I can take of my taxes by myself, since with the recent appraisal my XXXX become less than 80 %. But now bank is denying my request for escrow cancellation saying that they will apply the original appraised value at purchase date. This was also not notified to me earlier and I did not see such term in their agreement.

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 2022-04-14 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: NJ

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: NJ

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

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

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

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 2022-04-14 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I consumer XXXX am filing a complaint against the CRAs for reporting information on my consumer report that was obtain illegally. I have contacted the clerk, XXXX XXXX, at the XXXX Bankruptcy Court to confirm if they shared a discharged bankruptcy on my name with any of the CRAs. The clerk 's office confirmed that they do not share such information with the consumer reporting agencies. I contacted XXXX, they confirmed that this reporting is no longer in their system, I reached out to all three XXXX, Equifax, and XXXX to confirm where they are getting information of such bankruptcy that is being reported on my consumer report they all stated that it has been verified. I have no idea where they are confirming this information with, they are reporting information that was obtained legally because I did not consent of such reporting on my consumer reports and the court confirmed that they did not share any information with the CRAs. The CRAs are ruing consumers lives by violating the laws that are in place to be followed, they are intentionally reporting negative information. That is outrageous and something needs to be done about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I consumer XXXX am filing a complaint against the CRAs for reporting information on my consumer report that was obtain illegally. I have contacted the clerk, XXXX XXXX, at the XXXX Bankruptcy Court to confirm if they shared a discharged bankruptcy on my name with any of the CRAs. The clerk 's office confirmed that they do not share such information with the consumer reporting agencies. I contacted XXXX, they confirmed that this reporting is no longer in their system, I reached out to all three XXXX, XXXX, and Experian to confirm where they are getting information of such bankruptcy that is being reported on my consumer report they all stated that it has been verified. I have no idea where they are confirming this information with, they are reporting information that was obtained legally because I did not consent of such reporting on my consumer reports and the court confirmed that they did not share any information with the CRAs. The CRAs are ruing consumers lives by violating the laws that are in place to be followed, they are intentionally reporting negative information. That is outrageous and something needs to be done about this.

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 2022-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
President - i now opened a citibank checking XXXX and savings XXXX accounts. i needed to change my phone number from XXXX to XXXX i called they did that. i needed to get a text from XXXX to add them to my XXXX  checking XXXX i needed to receive a text. XXXX still had the old number. i called they said it takes 14 days to update. that needs to be fixed. my checking had three transfers {$2500.00} from XXXX XXXX that has been deposited and is available plus {$300.00} from XXXX. td bank is transferring {$2500.00} and {$1400.00} to my checking. it was started on the XXXX. i called yesterday. it was pending for three days. they said yesterday that it was scheduled to go in today. it didnt. {$35000.00} was transferred to citibank savings from XXXX XXXX that was pending for three days. a few minutes ago i went to that account and red account blocked is across savings only. so i need answers. i tried calling my they speak to low and i hung up twice to find out why this is. so im writing you and walking away from calling them since i never got a call or email professionally telling me this which should have happened and didnt. get back to me with there response in 15 days. ill wait but remember you, and the other fbi agents were declared the winners today by me. you defeated the us governments attempted candidates strategy of trying to end that governments problems. but i now realize that no ones causing me a problem except the person who im mad at the most with who wont leave my body ( remember?? ) and i dont know how to get him out. thank you, winners. do that now. signed president of the usa XXXX XXXX XXXX, XXXX XXXX est.

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 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have tried to resolve this with the credit bureaus. I am hoping you can expedite this for me? 
1. The following personal information is incorrectName : XXXX XXXX XXXX Name : XXXX XXXX Also Known As : XXXX XXXX XXXX Also Known As : XXXX XXXX. The following personal information is incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX 3. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  4. DOB - XXXX XXXX. XXXX XXXX : XXXXPlease remove this inaccurate information from my credit report. 
6. XXXX XXXX : XXXX****Please remove this inaccurate information from my credit report. 
7. XXXX XXXX : XXXXPlease remove this inaccurate information from my credit report. 
8. XXXX XXXX : XXXX****Please remove this inaccurate information from my credit report. 
9. XXXX XXXX XXXX : XXXXPlease remove this inaccurate information from my credit report. 
10. XXXXAccount Number : XXXXPlease remove this inaccurate information from my credit report. 
11. XXXXAccount Number XXXX XXXX****Please remove this inaccurate information from my credit report. 
The inquiry was not authorized US SM BUS ADMIN ODADate of inquiry : XX/XX/XXXX The inquiry was not authorized XXXXDate 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 2022-04-14 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: CA

Complaint narrative:
There is fraudulent inquiries in my credit report that I do not recognize. These inquiries are XXXX XXXX with XXXX date ( XX/XX/XXXX ), XXXX with inquiry date ( XX/XX/XXXX ), & XXXX XXXX with inquiry dates ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
A refund in the amount of {$14000.00} CAD was approved to be issued by the university on XX/XX/2022. 

The wire transfer fee in the amount of {$40.00} CAD was charged by the university to be posted back to the bank account. The university uses Western Union for fee receipt and payment especially for international students. 

The intermediary ( Western Union XXXX XXXX and XXXX ) deposited {$11000.00} USD in my bank account on XX/XX/2022. 

The company didn't provide any receipt of the transaction despite of a few requests via e-mail. When called, no one is available to answer questions. 

Almost {$300.00} to {$400.00} ( After Foreign Exchange Calculation ) got disappeared during the money transfer and not receipt or transaction information were provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: NJ

Complaint narrative:
I have e-mailed them twice to correct my credit report. Some entries have not been updated since XX/XX/2021 and are paid but still showing as open.

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 2022-04-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: AZ

Complaint narrative:
This company added a collection to my Credit bureaus saying I owe a debt from 2020 from XXXX. This information is false. Ive always paid my bills and do not owe any money to them or XXXX. I am disputing this debt with them and they have failed to send me the information Ive asked for which is to show me the Date I opened an account with XXXX and when the account was closed with the amount I owe to XXXX. Including my signature with the date. They have failed to give me any information only that I owe a debt I need to pay from 2020 which is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I started Navy Federal Credit Union when I was XXXX XXXX in the United States XXXX XXXX. They granted me two loans XXXX XXXX XXXX and a XXXX loan for a XXXX XXXX ok. I said yes I would pay you back with whatever I had to do I was gon na pay them. So after I got out of the service, I joined the reserves and was almost done paying the car off. I received a bonus from the service I worked hard for it and they put me through alot to get it trust me. Im thankful. As soon as I did I went down to Navy Federal with my lover in the car ill never for it. Took the money out of the atm went in and paid my balance. I asked the teller 3 times I wanted to make sure that all my accounts are clear and she yes. I gave then XXXX dallors cash and I was told my loan for the vehicle was settled. The address was XXXX XXXX XXXX, XXXX XXXX, SC. This was in 2010. I had a discrepany with them because this debt was also showing up on my credit report and we had a big dispute because I did actually pay off my accounts. After I paid Navy Federal off I did want another loan from a major bank just local dealer. Im XXXX, I stand by my word and I have nothing to lie about. I went to the bank 2 days ago to open a checking account and I was told I couldnt because of the loss on the cars and bank account. Ok what kind trick they pullin they arent updating their systems.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX 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 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I submitted documentation showing that the documentation from XXXX could not verify XXXX and update and correct my credit report and they did not. 

The certified mail was sent on XX/XX/XXXX and received on XX/XX/XXXX to date correction has not been made by Transunion and 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 2022-04-14 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: NJ

Complaint narrative:
Not Sure, but, this is clear identity theft, and someone has used my name, and i would like this to stop. This is a horrible experience to clean up and has cost me and my family even more time and energy trying to clean this up. 
Please delete this information 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 2022-04-14 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX This account is being reported on my credit profile years past the legal statute. 
The date of last activity shown is XX/XX/XXXX. 
The last reported update of this account is XX/XX/XXXX. Both of these dates should have signaled to the Creditor as well as the Credit Bureaus that this item be removed according to the FCRA as well as the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
A Huntington bank representative called me on XXXX of XX/XX/2022 from phone # XXXX and promised that {$150.00} would arrive my account XXXX by XX/XX/2022. However, it did not arrive by today XX/XX/2022. I called the phone # but reached no one. I left message twice but no one called back by this writing. I request Huntington bank to keep its promise. The bank said phone conversation would be recorded. I recorded it too, hence available for checking.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-14 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: SC

Complaint narrative:
I called the company 's and told him they were reporting fraud to my account my account is Frozen incorrect loans loans that I don't have no knowledge about

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 2022-04-14 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I called the company 's and told him they were reporting fraud to my account my account is Frozen incorrect loans loans that I don't have no knowledge about

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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 XXXX  ACCT # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights. 

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

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

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 2022-04-14 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX XXXX  Account # XXXX, XXXX  XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, 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 explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
I received checking and savings account statements from Bank of America on XX/XX/XXXX. Accounts had been opened under my social security number/bday/address and my previous last name ( XXXX XXXX ). My name is XXXX XXXX and I haven't gone by the XXXX name since XXXX. 

I called Bank of America and informed them of the fraud, at which time I found out this person was actively using the accounts. 

I have informed the credit bureaus and am in the process of trying to correct other credit applications through XXXX XXXX. 

The person who opened the accounts used the following information : email - XXXX address - XXXX XXXX XXXX XXXX, XXXX, Arizona 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 2022-04-14 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: VA

Complaint narrative:
I have filed an FTC report for identity theft for inaccurate accounts I found on my report and no one is helping me.

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