vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
In XX/XX/XXXX, I began refinancing my mortgage w/ US Bank XXXX I took all the paperwork to my local bank. They downloaded all the of the information that they required. I received a call from the Mortgage XXXX in XXXX. They needed the information. I advised that I had submitted all required paperwork. They stated they don't have it. I went back to the local bank. They stated that everything was indeed there. 
This back and forth went on for several weeks. In XX/XX/XXXX, I resubmitted more paperwork that was needed and sent it in an e-mail. Weeks go but and in XXXX I receive a call they don't have it. I stated that on XX/XX/XXXX I e-mailed it. He looked and stated to me that he found the e-mails and he didn't know how he overlooked them. He reports all is going well and they should be able to finish as they had everything they needed. They call again and can not find the paperwork. It was resent. Weeks again pass and we get another call on XX/XX/XXXX and they had just completed out work history. I stated why did it take so long to verify employment. He gave me a bunch of useless responses. On XXXX XXXX supplied them with the information they needed again. Get another call that they have no paperwork. I explained to him that I had turned it in that day and it was there. He found it. he said now they can close on the deal. Now it is XX/XX/XXXX and nothing. I go to the local US bank again. I'm told they dropped it and would need to resubmit from the beginning again. Now the interest rate went from 2.99 % to 4.69 %. I am more than frustrated. The party from US bank Mortgage in XXXX should be fired for being incompetent.

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: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RS Clark and Associates, Inc.
State: NC

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making the complaint against RS Clark & Associates for continuing to invade my individual privacy by committing abusive, deceptive, and unfair debt collection practices. I have never given RS Clark & Associates any permission to use any of my identifying information to commit mail fraud or aggravated identity theft by contacting me about an alleged debt they claim I owe. I have attached an FTC report which will be used when filing for litigation in Federal court to this complaint. I am aware that the in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and and the assigned are both liable for violation under 15 U.S. code 1692e ( 12 ). I have not validated any alleged debt with RS Clark & Associates and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving RS Clark & Associates any right to collect on this alleged date. It is my belief that RS Clark & Associates is attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deceptive forms. I have never received any documentation requesting validation from RS Clark & Associates before they committed multiple violated multiple violations under the FCRA and FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S code 1692d ( 4 ) which the FTC defines as debt parking. If RS Clark & Associates can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 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 RS Clark and Associates can provide me with sufficient documentary evidence that I have the legal obligation to pay them. If this documentation can not be produced and RS Clark & Associates continues its collection efforts I will file for litigation for actual damages caused and RS Clark & Associates will be held criminally liable for aggravated identity theft pursuant to 18 USC 1026A, extortion, theft by deception, security fraud, and mail fraud. Also RS Clark & Associates has committed a violation by reporting this alleged debt as a charge off which is in violation of 15 USC 1692d ( 4 ), advertisement of sale of any debt to coerce payment of the debt.

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: EQUIFAX, INC.
State: FL

Complaint narrative:
I noticed this problem in XX/XX/2022 " I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

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 noticed this problem in XX/XX/2022 " I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

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: NY

Complaint narrative:
in accordance to Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. The credit Bureaus stated my account was properly investigated but how is that possible if the open inaccurate, the date last active is inaccurate, and the date last reported is not accurate. The 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail

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 — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents as it contains my full complaint and request.

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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This all started back in XXXX. I have sent them over 17 documents in the past months and have sent they 9 more since then. They keep coming back to me with more an more updates. I'm almost done with them. They keep getting high interest from me every month. They will not even help me get my credit report activated again. I have sent them a letter requesting them to put me back on the credit reporting. And they have refused me. They have also said to me that they need clarification over and over again. This should have not taken 9 months to do. I have sent them month after month of Bank Statements. I need your help with this please! Thank you, 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 2022-04-06 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: CA

Complaint narrative:
This all started back in XXXX. I have sent them over 17 documents in the past months and have sent they 9 more since then. They keep coming back to me with more an more updates. I'm almost done with them. They keep getting high interest from me every month. They will not even help me get my credit report activated again. I have sent them a letter requesting them to put me back on the credit reporting. And they have refused me. They have also said to me that they need clarification over and over again. This should have not taken 9 months to do. I have sent them month after month of Bank Statements. I need your help with this please! Thank you, XXXX XXXX

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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This all started back in XXXX. I have sent them over XXXX documents in the past months and have sent they XXXX more since then. They keep coming back to me with more an more updates. I'm almost done with them. They keep getting high interest from me every month. They will not even help me get my credit report activated again. I have sent them a letter requesting them to put me back on the credit reporting. And they have refused me. They have also said to me that they need clarification over and over again. This should have not taken XXXX  months to do. I have sent them month after month of Bank Statements. I need your help with this please! Thank you, 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 2022-04-06 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: Choice Recovery, Inc.
State: MS

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

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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 2022-04-06 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
SINCE YESTERDAY XX/XX/XXXX I AM TRYING TO TRANSFER MONEY TO MY ORIGIN COUNTRY ( XXXX ). I ENTER ALL DATA TO SEND USD XXXX TO MY COMPANY IN XXXX BUT CITIBANK ASK ME TO MAKE A PHONE CALL FOR SECURITY REASON ( DESPITE ) I HAVE ENTER ALL SECURITY PASSWORDS AND QUESTIONS. 
IS NOT THE FIRST TIME I HAVE PROBLEMS WITH THIS BANK. 
ITS SO MEDIOCRE. I M GETTING OUT OF THAT BANK BUT I NEED TO MAKE THE TRANSFER. ITS SO FRSUTRATING TO HAVING YOUR MONEY WHEN YOU NEED TO.

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 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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
After reviewing my most recent credit report I see an account listed for XXXX XXXX, however I see that the information listed for that account is incorrect and such incorrect information will further increase the negative impact on my credit scoring which is unfair to me as a consumer. Transunion has this account listed incorrectly. Why has Transunion not conducted the correct due diligence in reporting this account, their actions either negligent or willful misconduct can have caused an unnecessary further damage to my credit report and overall credit scoring.

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:
When I opened my credit report to check my credit score I was shocked. You posting wrong information. It was never belong to me. Why you put it on my name. Im sure that some person hacked my profile and get my personal information! DELETE this negative account.

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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
in accordance to Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. The credit Bureaus stated my account was properly investigated but how is that possible if the open inaccurate, the date last active is inaccurate, and the date last reported is not accurate. The 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
Reached out to company and tried to get information about this account as well as a validation letter company had none of my information correct wasnt trying to help me file a fraud claim wanted me to give them my address an attempt to collect a debt asked for XXXX. A copy of the original contract bearing my signature that I actually sign on for this debt XXXX. I want a payment history from the original creditor that shows my payment of whatever i did 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 monetary relief
Consumer complaint received 2022-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IL

Complaint narrative:
DATE : XX/XX/XXXX SUBJECT : Victim of Identity Theft of Fraudulent Transaction Dear Sir or Madam, I am writing this to bring into your concern that on XX/XX/XXXX, an unauthorized disputed fraudulent transaction of XXXX XXXX- was executed on my name for apartment lease booking at XXXX XXXX. The XXXX ID XXXX. I beg to inform you that this transaction was not authorized and carried out by me in any physical or online form. I am quite surprised to mention that this is a fraudulent transaction, and I am a victim of identity theft, and I dont make this transaction. I am not responsible to any charges made to this fraud transaction. I have not initiated the above-said transaction. During the date of fraud transaction, I was living in XXXX XXXX XXXX XXXX XXXX  The Fraudster has used my Social Security Number and the items I dispute is attached as a copy of the report I received for the Collection Department - XXXX-Account # XXXX The items I dispute also are attached copy of the report I received. Below is the list of disputed items which make it clear that I am the victim of a FRAUD Transaction. 

1. Identify item ( s ) = Lease Agreement 2.  Current Address = XXXX XXXX, XXXX 3. Original Creditors Name = The XXXX 4. Lease Date and Location XX/XX/XXXX, XXXX, XXXX I  am requesting that all charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. Requesting you to please take up this matter urgently and investigate at the highest level and notify me in writing of the results of your investigation and help me in recovering my money back at the earliest possible. 

Enclosed are copies of ( Fraud Transaction Report with all details ), which supporting my position. Please investigate this matter and block the disputed item correct the fraudulent ( charge or debit ) as soon as possible. 

Regards, XXXX XXXX

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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Choose according to account type.These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Choose according to account type.These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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