vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Midland Debt Collection Company is trying to collect a debt that I have never signed a contract with them. They have purchased my debt from a company that sold it to them. They have been harassing and threatening to bring me to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
I was XXXX and upon release I found out someone took a loan out in my name and now in this recent data breach I realized that my social may have been breached and thats how they took a loan out in my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Arbor Professional Solutions, Inc.
State: SD

Complaint narrative:
FDRPA and FDCRA No Surprises Act violation.Arbor Professional Solutions aka Ann Arbor Credit Bureau, has misrepresented the debts legal status and owner by reporting to all the credit agencies including XXXX, XXXX, and XXXX a collection for {$1400.00}, for a medical debt that is NOT my debt, under another owner, and has already been PAID. The primary payor is XXXX, another party XXXX, not me. I want this inaccurate information removed from any /and or all credit reporting agencies, and affiliates, under my name, and my credit rating restored, prior to them reporting this illegal, inaccurate information. 

I would also like a written confirmation that this has been removed from my credit report, and my good credit rating restored that they damaged. Causing irreparable harm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC
State: AZ

Complaint narrative:
I was transported to the hospital in an ambulance in the summer of XXXX. Insurance was supposed to cover this, and I have been trying to fight this charge for years. It has now been SEVEN years and the collection remains on my account because they changed the year to XXXX. It was from the year of XXXX. I requested records from the hospital that I never received with exact pricing and dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 00:00:00
Product: Credit 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: DISCOVER BANK
State: GA

Complaint narrative:
We were bumped off our original flight to XXXX on XX/XX/XXXX. When I found an alternative flight, I realized that we needed to stay in XXXX for a few days and started making a hotel reservation using XXXX app on my phone. After I found XXXX XXXX XXXX and made the reservation, I did not get a confirmation right away. I thought there may have been a glitch on the app or the card may have declined the transaction for security purposes, which often happens. I re-tried to make another reservation but for a different hotel, XXXX XXXX XXXX since XXXX XXXX did not show up on the suggestions after I refreshed the app I was using. I used a different credit card this time to see if it would go through and it did. After the app showed my confirmed reservation with XXXX, the confirmation for XXXX XXXX also just came through. I called the app provider, XXXX and told them what happened. I asked to have the first reservation cancelled just minutes after I saw the reservation confirmation on their app. All of these were happening while our alternative flight was about to take off. Upon reaching XXXX, we checked in at the XXXX XXXX. I chatted with an XXXX represenative again to get an update on my cancellation with XXXX but I was told that since the terms of the reservation was non-refundable, the hotel was declining to refund us. I reached out to Discover card, the card I used to make the hotel reservation with XXXX and filed a dispute to contest the charges. I provided my chat history with XXXX and the email confirmation I received which reflected that the confirmation was an hour and a half later than the time and date that we were supposed to check-in to prove that I did not get the confirmation for the original hotel reservation on a timely manner but the card company sided with the hotel and now forcing me to pay for the rooms that we did not use. The hotel confirmed in the letter they provided with Discover that we didn't show and that the room was not occupied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: DE

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX. 

Please delete the following accounts : 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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 

I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX. 

Please delete the following accounts : 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

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 2024-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The following addresses are a result from fraud and identity theft. the following addresses and variations are NON MAILABLE ADDRESSES and inaccurate information. 

ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the correct address is : XXXX XXXX XXXX XXXX, XXXX DUE TO THE INACCURACIES, THE CREDIT REPORTING AGENCIES ARE FAILING TO REPORT MY AUTO LOAN WITH 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 2024-09-02 00:00:00
Product: Credit 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
30 plus charges keep showing up on my credit card statement. I've disputed 5 times now. I'm in a loop where they keep coming back but no proof that they are my legit charges. Customer service is very poor and employees only read scripts of what they can do .... start another dispute. I've asked for someone in upper management, but they can not give me anyone else to help. I've given them information about the company that anyone can look up about utrtin.com. XXXX them and only the website comes up ( but it's down today ) ... type in " XXXX XXXX  '' and you see a couple pages saying it's not high on their " trust '' meter as a trustable website ( the 2nd website is in another language ). There is no other website that you can type in google and not get XXXX results.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
I recently paid enough on my principal so that I owe less than 80 % of the initial value of the loan. I asked to have my PMI removed and I was rejected without an appraisal of the current value of the home. 
After a lengthy discussion with customer service, they told me that I can only have PMI removed if I paid 20 % of the value of the home, which may only be determined with an appraisal. 
After escalation to the supervisor, I was told that my record is 700 pages long and they would have to get back to me. It has been several weeks and I still do not have a determination, but my online account still shows that I owe PMI on my next payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). 

I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information TransUnion. 

Please delete the following accounts : 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

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 2024-09-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: NEW YORK COMMUNITY BANCORP INC
State: GA

Complaint narrative:
To Whom It May Concern : I am writing to formally file a complaint against Flagstar Bank regarding repeated and unauthorized trespassing on private XXXX XXXX XXXX despite prior notifications and warnings. 

On XX/XX/year>, I submitted an Affidavit of Fee Schedule to Flagstar Bank, clearly outlining the fees associated with any unauthorized trespassing on Trust Property. 

On XX/XX/year>, I forwarded an Amended Security Deed to Flagstar Bank, explicitly advising that no trespassing is permitted on private Trust Property. 

On XX/XX/year>, I faxed a Certificate of Trust to the Flagstar Research Department, reiterating the restriction against trespassing on private Trust Property. 

Despite these notifications, Flagstar Bank has continued to send representatives from a company called CLS to trespass on the private XXXX XXXX XXXX. These actions are in direct violation of the terms outlined in the previously submitted documents. 

I have attached the Affidavit of Fee Schedule for your review. Please note that the XXXX XXXX XXXX and the Certificate of Trust are not included due to the sensitive nature of these documents and their association with private trust property. 

I have also included an invoice for the violations that have occurred as a result of this unauthorized trespassing. I request that this matter be investigated promptly and that all future trespassing activities cease immediately. 

Thank you for your attention to this serious matter. 

Sincerely, 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 2024-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-02 00:00:00
Product: Credit reporting 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: MI

Complaint narrative:
This account was charged off on the following date ( XX/XX/year> ) Since then the account repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. The inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of a fraudulent account : XXXX XXXX XXXX  ACCOUNT NUMBER : 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 2024-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I recently reviewed a copy of my ChexSystems report and noticed I had fraudulent accounts on my report. Please remove these accounts from my ChexSystems report, they are hurting my ability to obtain banking relationships for myself and my family.

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 2024-09-02 00:00:00
Product: Credit reporting 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: IN

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action 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
Consumer complaint received 2024-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to file a complaint against TransUnion for reporting fraudulent accounts and inquiries on my credit report. Despite my previous attempts to resolve this matter directly with TransUnion, they have failed to correct the inaccuracies. Specifically, my credit report contains several accounts and inquiries that I did not authorize. These fraudulent items are severely impacting my credit score and overall financial standing. I have provided TransUnion with the necessary documentation, including an identity theft report, yet they have not removed the fraudulent entries. I am requesting that the Consumer Financial Protection Bureau intervene to ensure that TransUnion promptly investigates and removes these fraudulent accounts and inquiries from my credit report. Thank you for your assistance in resolving this matter.

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 2024-09-02 00:00:00
Product: Credit reporting 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:
I am in disagreement witht the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

**** XXXX witXXXX XXXX XXXX XXXX changed. 

In accordance to The Fair Credit Reporting Act, Public law 91-506, title VI section 611 please provide the names and business addresses of each individual with whom you verified above so that I XXXX follow up. Please send me an updated copy of my report after your reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-02 00:00:00
Product: Credit reporting 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: MD

Complaint narrative:
I was never late on these three paid off closed accounts ( 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  Please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this proof please delete this alleged late payments from my credit report. I am entitled to 100 % accuracy under federal laws.

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