vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-07 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: NC

Complaint narrative:
The account listed below I didn't not authorize if you could please research.15 U.S.C 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish accounts without my written instructions 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-06-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act Capital One Account # XXXX XXXX XXXX XXXX Account # XXXX, and XXXX  XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: GA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # 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 2022-06-07 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: DC

Complaint narrative:
15 U.S.C 1681 section A States that I have the right to privacy.

15 U.S.C 1681 section A section 2 ; It also states a consumer reporting agency can not furnish a account without my written instruction.

( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and On my credit report XXXX has XXXX XXXX  as the original lender and TransUnion XXXX XXXX hasXXXX XXXX XXXX XXXXXXXX XXXX as the original lender. 
XXXX XXXX XXXX as different dates for last activity on 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 2022-06-07 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: DC

Complaint narrative:
15 U.S.C 1681 section A States that I have the right to privacy.

15 U.S.C 1681 section A section 2 ; It also states a consumer reporting agency can not furnish a account without my written instruction.

( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and On my credit report XXXX has XXXX XXXX as the original lender and XXXX XXXX Experian hasXXXX XXXX XXXXXXXX XXXX XXXX as the original lender. 
XXXX XXXX XXXX as different dates for last activity on 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 explanation
Consumer complaint received 2022-06-07 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: CORELOGIC INC
State: FL

Complaint narrative:
On XX/XX/XXXX I sent written correspondence via Certified U.S. mail to Credco requesting that they delete 1 inquiry on my credit reports dated XX/XX/XXXX considering that I did not authorize anyone employed at CredoCo to make any inquiries, or view my credit report. This is a blatant violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, as I did not personally submit an application to Credco bearing my signature. Please delete this 1 inquiry from my 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 explanation
Consumer complaint received 2022-06-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/2022, re : Experian unverifiable bankruptcy reported on my credit report. Bankruptcy XXXX XXXX XXXX. XXXX. First of all, there is no company I am referring to the XXXXXXXX XXXX XXXXXXXX, XXXX XXXX of Florida, XXXX XXXX, XXXX, Florida XXXX. On XX/XX/2022. I sent a letter to Experian Credit Bureau, XXXX XXXX  XXXX, XXXX, TX XXXX in the above referenced bankruptcy. As of XX/XX/2022, no one has responded to me yet. Experian never removed the bankruptcy nor has my score been changed. According to my research I am entitled to XXXX points once my score is updated. I have attached a copy of the page in the Experian credit report they have no intention of correcting my report or my score. The FCRA mandates that Experian correct the unverifiable information within 30 days, or it must be removed. It has been 76 days and there has been no change. I am attaching a copy of the letter that I sent to Experian on XX/XX/2022. This letter was sent certified mail return receipt requested. XXXX XXXX XXXX XXXX XXXX received on XX/XX/2022 XXXX received by 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 2022-06-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have sent numerous requests to this bank requesting a credit limit increase. Unfortunately, each request has been denied for inaccurate and falsified reasons. I had spoken to representatives who had transferred the call to XXXX, or other Account Mangers when I asked to talk to a XXXX. XXXX XXXX Account Manager, said their phones arent set up to route the call to a manager. He instead routed the call to XXXX, also a Sr. Account Manager who initially introduced herself as a Supervisor. I had to speak to three Account Reps. ( XXXX, XXXX, and XXXX ) before speaking with XXXX Supervisor. The bank claims to have checked my credit to provide the reasons listed in the letter. The first lie, Reps were playing the role of Supv. The second lie, performing a credit check, my credit is locked, and Im notified each time someone attempts to run a check. The third lie, everything is system generated, and no persons are involved in the review process. Each Rep changed the response when I told them the previous Rep said there is a Credit and Risk department. XXXX submitted an internal complaint per XXXX. Given the integrity and honesty of these conversions and actions by the bank, how can we be sure his complaint record is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: VA

Complaint narrative:
I received a letter dated XX/XX/2022 from Southwest Credit Systems, L.P. stating that they are attempting to collect a debt that I owe to XXXX. It stated that as of XX/XX/2022 I owed {$840.00} to XXXX. On XX/XX/2022, I called XXXX billing and they confirmed that my account was up-to-date, and I had no outstanding payments. The representative stated that the letter was probably fraudulent and they see these all the time. Per the representatives instructions, I reported the letter to XXXX fraud department too. I thought no more about it. 

On XX/XX/2022, I pulled my credit report with all three credit bureaus, which indicated that I had an outstanding balance of {$490.00} with XXXX in collections. I called XXXX on XX/XX/2022 to discuss report the issue, and XXXX billing again confirmed I had no outstanding balances, and that theyd continue researching and call me back on XX/XX/2022 at XXXX XXXX. I called XXXX back at XXXX XXXX on XX/XX/2022, and I eventually was connected to the collections department which indicated that the outstanding balance was related to service at an address where I never lived. They said that the service was signed up under my full name, my social security number. This is the first time I realized I was a victim of identity theft, and I reported it to the local police and the FTC. I also filed a dispute with all three credit bureaus. 

On XX/XX/2022, I called XXXX collections to discuss how this happened. They indicated that in XX/XX/2022, they reached out to the phone number and email address provided by the identity thief regarding the collections but never reached out to any of my actual contact info on file. They stated that XXXX never would have told me that I had an outstanding balance, unless they searched by my SSN -- which they confirmed I've never fully provided to XXXX. I then emailed the fraud packet to XXXX 's identity theft department. And I sent my proof of identity theft to XXXX via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
XX/XX/2022 Re : overpayment and BSI refusal to refund or apply to my account - loan XXXX Hello CFPB, I have been waiting on a refund for an overpayment that was taken without authorization last month on XX/XX/2022. I have spoken with several representatives at BSI ( Servis One ) and they all promise to follow up but do not. No monies have been received to date. All that happens are empty promises. 

I am very disappointed with the awful service from BSI and am desperately in need of your help. 

I have repeatedly called and spoke to several reps to no avail. The check was mailed on XX/XX/2022, yet we never received it. It should be mailed to my mailing address : XXXX XXXX XXXX XXXX CA XXXX. Of note, I cancelled the auto draft and they took it anyway. 

This is by far the worst experience I have ever had with a financial institution. 

I have also filed several complaints via phone and via email to the company directly. 


I appreciate any and all assistance in this matter XXXX XXXX XXXX no. XXXX XXXX Prop address : XXXX XXXX XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
CFPB WRITE UP In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-06-07 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: NC

Complaint narrative:
I have never lived at this address XXXX XXXX, XXXX THIS SHOULD BE REMOVED FROM MY REPORT BECAUSE I HAVE NEVER LIVED HERE I have inquiries on my report that did not have my permission to check my credit report the inquiries are I did not give XXXX XXXX permission to pull my credit report I did not give XXXX XXXX permission to pull my credit report I did not give US SMBUS ADMIN ODA permission to pull my credit I did not give XXXX permission to pull my credit

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 2022-06-07 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: PENTAGON FEDERAL CREDIT UNION
State: KS

Complaint narrative:
XXXX is failing consumers

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 2022-06-07 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: NV

Complaint narrative:
My credit Bureaus have inaccurately reported an account by the name of XXXX XXXX XXXX. On my Transunion report it says this account is OPEN and the last payment date was made XX/XX/XXXX, and the original balance is {$29000.00}. On my XXXX report it says this account is CLOSED and the last payment date was made XX/XX/XXXX and the original balance is {$28000.00}. On my XXXX credit report is says this account is CLOSED and the last payment date was made XX/XX/XXXX and the original balance is {$29000.00}. 

They have inaccurately reported an account by the name of XXXX XXXX XXXX on my credit report. On my Transunion report it says the last payment was made XX/XX/XXXX. On my XXXX report it says the last payment was made XX/XX/XXXX. On my XXXX report it says the last payment was made 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 non-monetary relief
Consumer complaint received 2022-06-07 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Dept of Education/ 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 2022-06-07 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Dept of Education/ 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
I have been having serious issues paying my mortgage both being due to XXXX as well as XXXX XXXX XXXX XXXX As a result, I applied for a loan modification. I submitted every document that they requested. Upon their review, they denied my modification as they said I had too much equity in the home. The bigger problem is that I have an abysmal credit score ( under XXXX ) and I can not qualify for a line of credit or a refinance. I have tried to explain that to them and they basically said they don't care. It's my problem, not theirs. My family has owned this house for over 40 years. In fact, my father went through a similar situation in XX/XX/XXXXand they ended up selling the house in foreclosure even though they stated they would not. As a result of the house being sold, the new owners came to the house and brought moving trucks to move my father out. My father overreacted and the police were called, he was eventually XXXX  by the police as a result of the sale of the house. I ended up reaching out to the media and it was discovered there were some fraudulent actions taken and the bank gave me the loan to the house, which also causes problems with getting a refinance or line of credit using the equity on the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: NV

Complaint narrative:
My credit Bureaus have inaccurately reported an account by the name of XXXX XXXX XXXX. On my XXXX report it says this account is OPEN and the last payment date was made XX/XX/XXXX, and the original balance is {$29000.00}. On my Equifax report it says this account is CLOSED and the last payment date was made XX/XX/XXXX and the original balance is {$28000.00}. On my XXXX credit report is says this account is CLOSED and the last payment date was made XX/XX/XXXX and the original balance is {$29000.00}. 

They have inaccurately reported an account by the name of XXXX  XXXX XXXX on my credit report. On my XXXX report it says the last payment was made XX/XX/XXXX. On my Equifax report it says the last payment was made XX/XX/XXXX. On my XXXX report it says the last payment was made XX/XX/XXXX.

Company response to consumer: Closed with explanation