vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-06 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have failed to receive notice of investigation from the following XXXX bureaus : XXXX, XXXX, and TransUnion. The following credit report has stopped me from receiving funding and good character when applying for anything. Letters sent out on XX/XX/2022, since then i have received no response.

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 2022-04-06 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act the following item ( s ) has violated my rights : 1 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 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 2022-04-06 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: NJ

Complaint narrative:
I don't recognize this inquiry made on my report and is need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXXXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ( XXXX ) XXXX None Of This Inquiry was made by me therefore it need to be removed thank you.

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 2022-04-06 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: NJ

Complaint narrative:
I don't recognize this inquiry made on my report and is need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ( XXXX ) XXXX None Of This Inquiry was made by me therefore it need to be removed thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lewis, McDonnell & Associates
State: TX

Complaint narrative:
Hi I have addition information regarding a former complaint XXXX. 
The erroneous information was deleted from at least 3 of the consumer reports. Thank you Lewis McDonnell and Associates. I sent Lewis McDonnell and Associates an Affidavit and an invoice. They did not properly respond to the affidavit. Please see attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP
State: TX

Complaint narrative:
This is furtherance of complaint # XXXX. The response from US Bank was that they have sent the balance on the debit card to XXXX  XXXX XXXX. I have ben in contact with XXXX XXXX XXXX and they have not received the funds from US Bank. If US Bank did indeed send the money to XXXX  XXXX XXXX, please have them send me proof of such transfer so that I can send the proof to the XXXX  XXXX XXXX. All I can tell them now is that US Bank has stated they have sent you the money.

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 2022-04-06 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have failed to receive notice of investigation from the following XXXX bureaus : XXXX, Equifax, and XXXX. The following credit report has stopped me from receiving funding and good character when applying for anything. Letters sent out on XX/XX/2022, since then i have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have failed to receive notice of investigation from the following XXXX bureaus : Experian, XXXX, and XXXX. The following credit report has stopped me from receiving funding and good character when applying for anything. Letters sent out on XX/XX/2022, since then i have received no response.

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 2022-04-06 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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( Account Number XXXX ), has violated my rights. 

n accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX ( Account Number 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 2022-04-06 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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( Account Number XXXX ), has violated my rights. 

n accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX ( Account Number 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 2022-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I applied for a loan modification for my home since XXXX and have been steadily denied help to avoid foreclosure. PHH Mortgage has constantly been denying my application for three years, stating that I have been missing documents or there have been problems with the mortgage title. They denied my loan modification after waiting a month for information on whether it had been approved or not. According to Civil Code section 2924.10, a servicer must notify you within five business days of any missing information, other errors, and deadlines for completing your application. PHH Mortgage has not done that and has waited a month to deny my application, stating that I did not send in the correct documentation. In XXXX, I applied for a loan modification, and it was approved. I made the trial payments on time, and then a month later, I was denied saying that there was a problem with the mortgage title. I called and asked them what the problem was, and they told me I had a lien on my mortgage title, but they didn't know what the lien was for. I was reassured I could apply again, and it would be approved. I have been applying since XX/XX/XXXX for a loan modification. A month after I apply, I will get notified that I am missing documents. In XXXX, I applied AGAIN for another loan modification. It was approved, and I started making the trial payments for three months on time. Also, in XXXX, a valuation was done on the property showing the TITLE/LEGAL ISSUES box was checked off as NO. On XX/XX/XXXX, I received a letter saying that my loan modification was denied AGAIN because I didn't send in my living trust. I applied again, faxing my living trust and a new loan modification application. I got a letter two weeks later stating that I submitted all the required documentation and that no further documentation was needed. Today on XX/XX/XXXX, I got a letter stating that the loan modification was denied because I didn't meet the agreement. I called PHH Mortgage, and they stated that I didn't show them proof that the lien was taken off the mortgage title. They never asked for more documentation other than what I had given them, and they sent a letter stating that they had all the documentation. I feel like this company is not trying to help its customers. PHH Mortgage has been sued twice before this as well. I am now facing foreclosure, and I am devasted and stressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
Hi I have new information regarding XXXX Nissan Motor Acceptance Company , LLC. Please see attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: Kriya Capital, LLC
State: FL

Complaint narrative:
Please see attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello, I have a Citibank issued Best Buy Visa Card and for several YEARS, they have been charging me for a " credit protection '' service that comes up as " DEBT PROT XXXX '' that I did not authorize or agree to. The payments alone have been {$90.00} or so dollars a month. I noticed these charges last year in XXXX of 2021 and I asked them to unsubscribe me from this enrollment. They only did that for one month and resumed charging me around {$90.00} a month ( changing the amount monthly ). I called to dispute the charges but they keep telling me lies about my account. First they say my account isn't open, then they say they cant find it, then they accuse ME of fraud, then the woman on the line kept either hanging up or " transferring '' me to different departments where I would be disconnected. This is clearly a fraudulent scam on Best Buy and Citibank 's end and it needs to be resolved, not just for me but for ALL of their customers. 

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 2022-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have sent a letter to XXXX, XXXX, and experian in reference to incorrect information being reported on my report. I have not gotten a response from XXXX or transunion. Experian responded back and refused to reinvestigate the incorrect information in my report. I have sent method of verification letters to them as well as factual dispute letters. Furthermore they have failed to respond in the appropriate allocated to them under the FCRA. There was charge off on my XXXX  XXXX auto finance account. The date of first delinquency was XX/XX/XXXX. The account has not only been reaged which is illegal but been completed altered so that the CO isnt reflective. XX/XX/XXXX makes 7 years from the date of first delinquency therefore this account should not be reporting at all. It is the bureaus responsibility to report accurate information.

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 2022-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
They rushed me into a settlement deal and I don't even know that they are a legitimate company. Each time they call they say you have only 24 hrs to complete this paperwork. Etc. Since being rushed into a settlement deal I have seen accusations of them being fraudulent on the internet and I just don't know how they rush me so much! I am in the middle of my work day and they are telling me this action needs to be completed today! I haven't had time to research the company to see if they are legit and I've already given them {$1000.00}. They want me to rush the last {$500.00} to them or they will tag on more fees... .Also I had mentioned to the lady that there was fraud on my account and that is what the debt is from. Is there a chance I am not responsible for the debt?

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 2022-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Inquiry date XX/XX/21 - XXXX XXXX - DID NOT AUTHORIZE Inquiry Date XX/XX/21- XXXX - DID NOT AUTHORIZE Inquiry Date XX/XX/21 - XXXXT XXXXXXXX XXXX XXXX DID NOT AUTHORIZE Inquiry Date XX/XX/21 - XXXX Of XXXX - DID NOT AUTHORIZE Inquiry Date XXXX XXXX  XXXX - DID NOT AUTHORIZE

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 2022-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Amex /dsnb was charged off on XX/XX/XXXX but still reports monthly late payments XXXX was charged off XX/XX/XXXX but still reports monthly late payments According to section 166 of the Internal Revenue Code, federal regulations require creditors to charge off installment loans after 120 days of delinquency, while revolving credit accounts must be charged-off after 180 days.

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 2022-04-06 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: FL

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor and/or collection agency however there is nothing notated on my credit reports that these items were ever disputed. that is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2022-04-06 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: PA

Complaint narrative:
In 2017 XXXX was beached and my identity used to ruin my financial security, sense of Safety along with all 3 credit agencies, XXXX, Transumion and XXXX along with financial institutions XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXXit and collections accounts l : XXXXl, XXXX, XXXX XXXX XXXX Collections Account Closed Collections Balance Decrease positive change : XXXX XXXX XXXX XXXX Failure to remove any of the listed derogatory remarks, false Information and defaming information on my credit file. All of these companies are breaking the law and discriminating against and fraud/ID victim. This has caused grat hardship, a mentall and physical Itoll over the last 6 years. This is criminal, negligent, and against FTC and consumer finance laws and regulations. I am begging for help in holding all of tgese compainea liable and accountable to damage to my credit, my ablilitj to get loans, refinance, apply for credit cards and crippled me financially. I have XXXX k in home equity which I have absolutely no way to utilize be ate loans will not be granted, Ive been denied for refinance and I can no longer stand for This to continue. If the derogatory remarks, information and false information is not only removed immediately biut that it remains off. I have spent years now only to have the information back on my report. There are laws against doing this and my rights are being violated. Im saving for a Lawyer and will alert the media. Because of XXXX having the data breach my personal information back was used and my credit destroyed. XXXX ruined me life and continues to do so. who governs 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 non-monetary relief
Consumer complaint received 2022-04-06 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In 2017 XXXX was beached and my identity used to ruin my financial security, sense of Safety along with all XXXX credit agencies, XXXX, XXXX and Expedian along with financial institutions XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, Pay Credit and collections accounts l : pal, XXXX, XXXX XXXX XXXX Collections Account Closed Collections Balance Decrease positive change : XXXX XXXX XXXX XXXX Failure to remove any of the listed derogatory remarks, false Information and defaming information on my credit file. All of these companies are breaking the law and discriminating against and fraud/ID victim. This has caused grat hardship, a mentall and physical Itoll over the last 6 years. This is criminal, negligent, and against FTC and consumer finance laws and regulations. I am begging for help in holding all of tgese compainea liable and accountable to damage to my credit, my ablilitj to get loans, refinance, apply for credit cards and crippled me financially. I have XXXX k in home equity which I have absolutely no way to utilize be ate loans will not be granted, Ive been denied for refinance and I can no longer stand for This to continue. If the derogatory remarks, information and false information is not only removed immediately biut that it remains off. I have spent years now only to have the information back on my report. There are laws against doing this and my rights are being violated. Im saving for a LawyeXXXX and will alert the media. Because of XXXX having the data breach my personal information back was used and my credit destroyed. XXXX ruined me life and continues to do so. who governs 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 non-monetary relief
Consumer complaint received 2022-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Having a credit card with Citi bank, I received an offer to open a new checking account online. This offer included a {XXXX} bounce if I deposite {XXXX} within 20 days of opening the account. If I kept the funds above {XXXX} for 60 days I receive the {XXXX}. I opened the account on XX/XX/2022 and within a few days there was more than {XXXX} in the new checking account with Citi bank. 60 days passed and I didnt receive the {XXXX}. I called the bank on XX/XX/XXXX and requested to speak to supervisor who credited {XXXX} into the account. On XX/XX/XXXX I realized that {XXXX} taken back by the bank, I called on the same day to find out the reason. The supervisor answered that the bank decided that because I transferred the funds through XXXX that I didnt meet the requirements and for this I will not get the promotion. The offer doesnt state that I couldnt transfer the funds electronicly. The supervisor at Citi further mentioned that the only that I could have received the bounce when I physically took the funds to a branch and deposited with a teller. Again, this isnt mentioned in the offer. I believe that I was misled by Citi bank and Id like to ask you kindly to help me obtain the {XXXX} back. 
Many thanks.

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