vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R.A.Rogers, Inc.
State: DE

Complaint narrative:
This is my 3 complaint and request to R.A.Rogers. PLEASE RESPOND VIA CFPB AND OR MY EMAIL. This company can not provide the information Im asking for this is why they are sending me things in the mail. Its also Mail fraud if you continue I will report you. If you cant provide everything the law requires please cease and desist!! I have attached proof that Identity Theft and fraud has been committed 2 of the same contract and only one is correct I do not owe XXXX XXXX XXXX  any thing and I most definitely do not owe R.A.Rogers. I have every right to file a lawsuit against XXXX and R.A.Rogers. This company can not show they have Notice 15 USC 1681b permissible, purpose. 15USC 1681q ( 3 ) I did give Authorization to give or use my ID information for any reason to R.A.Rogers or SECU. Neither of these Companies has sent me a true negotiable bill the statements i have received is Mail fraud. Pursuant 15USC 1681a ( 2 ) if I at anytime opt in I am opting OUT!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: CL Holdings LLC
State: GA

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME, PLEASE REMOVE THEM FROM MY CREDIT REPORT. 

Section 609 ( a ) ( 1 ) ( A ), [ 15 U.S.C. 1681g ] section 607 [ 15 U.S.C. 1681e ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: SC

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States 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 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 2023-05-22 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: TX

Complaint narrative:
On XX/XX/2023 I spoke with a representative of Experian to question why my credit score dropped XXXX points she stated it was because of the disputes Ive filed! 
Ive recently found out that that is illegal I also questioned why things havent been removed from my credit report because there have been several things removed from my XXXX XXXX report and eqifax report! 
She said thats because Experian takes more time! 
I also expressed the fact that ever time I pay my bills on time and split them up so I can get double the credit my credit score keeps going down!

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 2023-05-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have reached out to XXXX, Equifax and XXXX about the personal infomation pertaining to my name and my address. Due to the incorrect info on my report it is causing me to lose out on career opportunities as well as housing myself and my family. My name is XXXX XXXX XXXX, I go by no other name. My address is XXXX XXXX XXXXXXXX XXXX  XXXX. Past address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX there should be no other addresses listed for me. Equifax has a least 10 wrong address listed. Under the 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. 

There are collection account on all three that are not mines. Please Update and remove them from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: GA

Complaint narrative:
I have reached out to XXXX, XXXX and Experian about the personal infomation pertaining to my name and my address. Due to the incorrect info on my report it is causing me to lose out on career opportunities as well as housing myself and my family. My name is XXXX XXXX XXXX, I go by no other name. My address is XXXX XXXX  XXXX XXXX  XXXX. Past address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX there should be no other addresses listed for me. XXXX has a least 10 wrong address listed. Under the 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. 

There are collection account on all three that are not mines. Please Update and remove them from my reports.

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 2023-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I never had a auto loan with XXXX. XXXX states i have a vehicle loan for {$66000.00}. I have the title for the vehicle in question, i have a letter from XXXX removing the fraudulent XXXX on the vehicle, and have a recording from XXXX stating I never opened a loan with them.

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 2023-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Needed to create an account on Experian 's consumer page in order to get credit report accepted by lender for XXXX loan. Experian is now storing my payment information. I called Experian and asked that my account be deleted and they refused. I then asked that they remove the payment information stored on my account profile and they refused.

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 2023-05-22 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I first contacted and opened a dispute with TransUnion on XX/XX/XXXX. There were 5 accounts from the Department of EDU adversely affecting my credit report. The dispute was closed on XX/XX/XXXX. I do not believe they contacted the creditor and just closed the case on a Saturday. I then called the Department of EDU on XX/XX/XXXX who told me the loans were showing with no outstanding balances and were transferred and they can't do anything about the incorrect credit reporting and to contact myeddebt.com. I contacted them and they said loans are NOT in default and should not be reporting on my credit report. I then called TransUnion and they opened another dispute on XX/XX/XXXX so I could submit proper paperwork showing the loans in good standing. I mailed the paperwork on XX/XX/XXXX as I was told their online document upload was down. The case then disappeared and TransUnion is showing no open dispute. I again contacted them on XX/XX/XXXX to which they said there was no open dispute. They were unhelpful and rude.

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 2023-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have reached out to Transunion, XXXX and XXXX about the personal infomation pertaining to my name and my address. Due to the incorrect info on my report it is causing me to lose out on career opportunities as well as housing myself and my family. My name is XXXX XXXX XXXX, I go by no other name. My address is XXXX XXXX  XXXX XXXX XXXX. Past address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX there should be no other addresses listed for me. XXXX has a least 10 wrong address listed. Under the 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. 

There are collection account on all three that are not mines. Please Update and remove them from my reports.

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 2023-05-22 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: BOK FINANCIAL CORP
State: OK

Complaint narrative:
on XX/XX/15 my phone was stolen out of my car while asleep and used fraudulently.the thief went on my XXXX XXXX ( that did have a pin # ) & requested a new pin so a verification was sent to my email which they also had access to & changed pin # and cleaned my XXXX XXXX & bank acct out in 12 withdrawals back ti back leaving my accts- {$220.00} & {$490.00} taking a total of {$2400.00}. I Filed police report ( case # XXXX ) & gave bank.i have had this acct for a while now never been overdrawn & has had at least {$3000.00} at any given time. the bank manager was extremely rude and was not helpful at all

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ONLINE Information Services, Inc.
State: SC

Complaint narrative:
They called my roommate and shared my personal information regarding some debt which they refuse to confirm what is. They also put an issue on my credit report, tanking my credit. They have refused to verify the debt when I called.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: SC

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States 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 written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: FL

Complaint narrative:
Good morning, I'm filing this complaint in reference to my chime credit builder account. There seems to be an issue with proper documentation on my billing statements, erased transactions, and incorrect account balance. I've tried over 10 times to get chime coustomer service to help with the situation but, there was no competency for a resolution. I've tried explaining that the XXXX statement started off with the incorrect available amount. There was XXXX dollars deposited into the account on XX/XX/2023. The coustomer rep. stated that the billing cycle begins on the XXXX of each month, meaning the deposit on the XXXX is apart of XXXX billing statement. I was told I spent XXXX dollars but, with no balance. " Impossible '' Chime does not let me overdraft a penny. Speaking of penny, I am also missing XXXX pennies out of my savings account. 
There were a few disputed, un-diputed transactions that occured. However, the so called bank did not take action their either. 
Another really BIG SITUATION is a bank rep. telling you they can only view pieces of your information but, are able to email you a statement, seems a little suspicious. I mean how are you conducting account balance with half of the information, totally not possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI

Complaint narrative:
Select Portfolio Serving - This lender increased my escrow {$1900.00} then sent me a letter stating my taxes went up. That is not true. I cant afford this type of increase. This lender is doing unethical things and lying to its customers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
As of XX/XX/2023 I qualified to have PMI removed from my mortgage because I passed the 80 % threshold as defined in my mortgage note. I called Webster on XX/XX/2023 once the statement in online banking confirmed the balance. I was told that a form will be auto-generated and sent to my home to write in my request. I asked on this phone call if I could get the form electronically and was told no. I have to wait for the mailed form. 

As of XX/XX/2023, I have still not received the form in the mail from Webster Bank to request the removal of PMI. I called in to customer service and was on various stages of hold for XXXX minutes before being told no one from loan servicing was available to help me and they'd call me back. 

At this stage I am concerned I will be charged PMI during my XX/XX/2023 cycle. Based on the slow pace of processing my request to date. If I am charged PMI in the XX/XX/2023 cycle I believe that Webster then would have committed a UDAAP violation under the Unfair definition because this injury could not have been avoided by the customer. Webster had one month to process the removal of PMI and has thus far not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Selip & Stylianou, LLP
State: NY

Complaint narrative:
On XX/XX/2023, I reached out to XXXX to discuss my credit card debt. XXXX reported that the debt was charged off in XXXX to Selip and Stylianou LLP. I did not understand why because I was making a flat payment of {$50.00} to discover that they stopped and did not inform me. 
XXXX quoted me {$2000.00} that I still had to own. However, Selip and Stylianou LLP said I had to pay {$4000.00}.

I disputed but was decline so I disputed again. Selip and Stylianou as not been helpful and down right rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: FL

Complaint narrative:
I have hard auto loan inquiries and I havent requested nor tried to purchase a car. I contacted each company directly to inform them it wasnt me and was told to either file a police report or theres nothing they can do. I sent off a dispute letter to Transunion, XXXX and XXXX and they are still reflecting on my account. 
XXXX XXXX  Inquired on XX/XX/2023 XXXX XXXX  Inquired on XX/XX/2023 -XXXX  XXXX XXXX XXXX Inquired on XX/XX/2023 -XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX  XXXX XXXX on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 -XXXX  XXXX  Inquired on XX/XX/2023 -XXXX  XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX  XXXX  Inquired on XX/XX/2023 - XXXX XXXX XXXX XXXX Inquired on XX/XX/2023

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 2023-05-22 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: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-05-22 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-05-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC.
State: VA

Complaint narrative:
I have answered the call before I acknowledge who I was for the collection company Halsted financial services to stop calling my phone number. After I told them to stop calling my phone number they called back four times more then I acknowledged who I was to them and they proceeded to try and collect the debt that was owed to XXXX XXXX from 7years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately. 

XXXX  Date Opened : XX/XX/XXXX Balance : {$8600.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$26000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  ) Date Opened : XX/XX/XXXX High Credit : {$180.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$23000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
I shesule my payments and they constantly call. When they call they immediately hang up. I received a call today and got the XXXX  answer of of now I see you scheduled your payment today. This is harassment to the extreme. Multiple calls daily and they hang up every time I answer. This needs to stop or I will take them to court and sue for more than the car is worth. Its ridiculous. Im clearly not avoiding them and doing my best to make the payments on time and get caught up but I know my rights and again this is harassment.

Company response to consumer: Closed with explanation