vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-07 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: GA

Complaint narrative:
We have an issue with the mortgage attached for the loan under XXXX for over a XXXX XXXX. The property was purchased in the business name as we do with all our properties since we have been in business and XXXX XXXX stands as XXXX. We have almost XXXX properties like this. XXXX stands as XXXX  so it is therefore not reported on his credit. We refinanced this in XX/XX/2021 and it was just that. Now comes XXXX we are realizing they started reporting it on XXXXXXXX XXXX personal Credit, so that's a XXXX dollar loan with a {$7000.00} plus mortgage weighing his credit down which will obviously affect his XXXX and affect him getting other loans and has affected him getting several loans We have tried tirelessly to get it corrected with the mortgage company and The mortgage company is telling us that the investor has chosen to now report on both business and personal credit and only the investor can change that. I need to get it changed back to my original agreement of being reported on my business credit and not personal. I have almost XXXX properties and they are in the company 's name. He is the guarantor and they are not being reported on my credit report which is the whole reason for being in the company name. 

He is locked into a 5 year prepay and now he's also being screwed over as well by getting it placed on his personal credit. 

XXXX is not the borrower, the borrower is XXXX XXXX XXXX XXXX XXXX. XXXX is only guaranteeing the loan. That is not what we agreed to. We would never do business with anyone putting our business loans on our credit report. It is a breach of our agreement. It is a business loan. We need this to be removed from his personal credit. 

We have the original paperwork signed and attached. We also have other loans with the same lender purchased the same way which are not on our personal 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 2023-02-07 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: GA

Complaint narrative:
We have an issue with the mortgage attached for the loan under XXXX for over a XXXX dollars. The property was purchased in the business name as we do with all our properties since we have been in business and XXXX XXXX stands as guaranto. We have almost XXXX properties like this. XXXX stands as guarantor so it is therefore not reported on his credit. We refinanced this in XX/XX/2021 and it was just that. Now comes XXXX we are realizing they started reporting it on XXXX 's personal Credit, so that's a XXXX dollar loan with a {$7000.00} plus mortgage weighing his credit down which will obviously affect his XXXX and affect him getting other loans and has affected him getting several loans We have tried tirelessly to get it corrected with the mortgage company and The mortgage company is telling us that the investor has chosen to now report on both business and personal credit and only the investor can change that. I need to get it changed back to my original agreement of being reported on my business credit and not personal. I have almost XXXX properties and they are in the company 's name. He is the guarantor and they are not being reported on my credit report which is the whole reason for being in the company name. 

He is locked into a XXXX  year prepay and now he's also being screwed over as well by getting it placed on his personal credit. 

XXXX is not the borrower, the borrower is XXXX XXXX XXXX XXXX XXXX. XXXX is only guaranteeing the loan. That is not what we agreed to. We would never do business with anyone putting our business loans on our credit report. It is a breach of our agreement. It is a business loan. We need this to be removed from his personal credit. 

We have the original paperwork signed and attached. We also have other loans with the same lender purchased the same way which are not on our personal credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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:
We have an issue with the mortgage attached for the loan under XXXX for over a XXXX dollars. The property was purchased in the business name as we do with all our properties since we have been in business and XXXX XXXX stands as guaranto. We have almost XXXX properties like this. XXXX stands as guarantor so it is therefore not reported on his credit. We refinanced this in XX/XX/2021 and it was just that. Now comes XXXX we are realizing they started reporting it on XXXX 's personal Credit, so that's a XXXX dollar loan with a {$7000.00} plus mortgage weighing his credit down which will obviously affect his XXXX and affect him getting other loans and has affected him getting several loans We have tried tirelessly to get it corrected with the mortgage company and The mortgage company is telling us that the investor has chosen to now report on both business and personal credit and only the investor can change that. I need to get it changed back to my original agreement of being reported on my business credit and not personal. I have almost XXXX properties and they are in the company 's name. He is the guarantor and they are not being reported on my credit report which is the whole reason for being in the company name. 

He is locked into a XXXX  year prepay and now he's also being screwed over as well by getting it placed on his personal credit. 

XXXX is not the borrower, the borrower is XXXX XXXX XXXX XXXX XXXX. XXXX is only guaranteeing the loan. That is not what we agreed to. We would never do business with anyone putting our business loans on our credit report. It is a breach of our agreement. It is a business loan. We need this to be removed from his personal credit. 

We have the original paperwork signed and attached. We also have other loans with the same lender purchased the same way which are not on our personal 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 non-monetary relief
Consumer complaint received 2023-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I called as I had XXXX  recently. I needed this month and next month due to a reduction in income put on pause and resume in XXXX. They advised me they offer nothing in regards to XXXX and that my credit will take a hit. They would not help me in anyway and I've been current on my payments for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: SC

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. 

Account name : 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 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 explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: MD

Complaint narrative:
XX/XX/XXXX for a balance of {$130.00} and then AGAIN on XX/XX/XXXX Sunrise Credit Services , Inc ( A COMPANY I HAVE NO INVOLVEMENT NOR CONTRACT WITH ) Threatened harm to my credit file in an attempt to collect monies which are NOT owed to them. 
They claim to be representing XXXXXXXX XXXX XXXX XXXX  ( Of which whom my account is CURRENT & PAID IN FULL ) My credit has been impacted by their malicious and illegal actions and Im demanding maximum payment allowed to me under the FCRA. 
Form of payment may be issued via check and mailed out to the address they have on file for me.

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 2023-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
On XX/XX/23 I received a bill in the mail from Citizens World for an account that I never applied for. I called the number on the bill and was informed that an application was done online for the account on XX/XX/23. They of course closed the account for me on XX/XX/23. They asked if I was sent a credit card. I have not received one in the mail as of yet. They informed me that all my personal information was used for the application. As of now blocks have been added to the credit reporting agencies and was also asked to proceed with this process as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
XXXX XXXX with my wet signature on it? 
Creditors information address location phone number and agent that talk to me personally? 
Proof of payment history payments made and payments not made dates and issue documents? 
Proof of ownership and Authorization to collect?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: AZ

Complaint narrative:
My reports from XXXX and Experian both show an account, XXXX XXXX XXXX, showing negative payments for a time period that they did not own, nor service the debt. XXXX XXXX XXXX, only should be reporting XX/XX/XXXX through XX/XX/XXXX. These negative payments are now showing twice, XXXX from XXXX XXXX XXXX, and again from the prior creditor. Also, I paid on time in XX/XX/XXXX, yet XXXX XXXX XXXX is not reporting it. I have contacted XXXX, Experian and XXXX XXXX XXXX each several times to resolve this. XXXX, however, removed the XXXX XXXX XXXX from my credit report after their investigation.

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 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have checked my credit report and saw a late payment that I was not aware of. I always make sure to pay on time. Below is the late payment appearing XXXX XXXXXXXX I wanted this late payment appearing removed 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 explanation
Consumer complaint received 2023-02-07 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I keep being told the incorrect and derogatory information being reported by Chex Systems is correct and verified, even though the XXXX Bank XXXX XXXX was still investigating and had yet to complete their research/investigation. On my Chex systems credit file and report, its showing that I was committing checking account fraud. I contacted bank XXXX XXXX and ask that they update my account internally and with the credit/consumer reporting agencies. I was told I have to contact them personally. I have written multiple letters to Chex Systems providing proof that I did non of the transactions and I have no knowledge of them. Chex systems keeps informing me that the information is correct and verified, without doing a full and proper investigation or showing me any proof of validation. Either way I keep getting the runaround. I asked for details, example the name of the person they spoke to while investigating, proof bearing my wet ink signature or any documents and up to this day ( XX/XX/2023 ), they have not provided me with anything. Under the FRCA I asked them to remove all unverified, derogatory information from my report being they can not provide any documented or verifiable proof, they have not done that either. Due to the derogatory, unverified information XXXX bank who was my main bank for over XXXX years immediately closed all my accounts and ended all relations with me. Same thing happened with other banks I had accounts with. This derogatory information has been a huge burden on me and huge inconvenience with financial institutions. I was denied opening a new bank account because of this. I did everything they asked, I wrote, called, plead etc. I'm at my last resort now, I'm tired of the back and fourth. I feel like I have been getting computer generated replies, because its the same thing over and over. I'm kindly asking you to step in and help please. Any proof or additional information you need please don't hesitate to ask. Thanks in advance XXXX Institutions are XXXX of XXXX account XXXX XXXX # XXXX XXXX XXXX consumer ID- XXXX - contribution ref # 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 2023-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have opened a checking account on XX/XX/XXXX based on promotion to receive {$500.00} bonus. I have fulfilled all the requirements for the bonus. According to the promotion the bonus was supposed to be in the account on XX/XX/XXXX. However, nothing was deposited. I went to the branch several times and opened a case # XXXX on XX/XX/XXXX at the branch. At the branch I was told that everything is in order in my account and that the case would be resolved in 5 business days. However, there is no resolution yet. The managers at the branch are neither returning my calls nor replying emails about the issue. Every time I call the main number for the bank I am told to wait longer.

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 2023-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Halsted Financial Services, LLC.
State: OK

Complaint narrative:
I have a debt that showed on my transition report as a loan. I disputed this loan, as I have never signed any loan documents. A collection agency has the account now, and when trying to tell them the loan is not mine and it's fraudulent, they want me to give them personal information which I will not do. Like my full social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent Equifax a Fraud Alert Removal Letter/Form with all my personal information that Equifax requested XXXX Instead of removing fraud alert from my consumer report like I asked, Equifax chose to send me a stall letter ( see attached ) and quoted " We received your request to add an initial one-year fraud alert to my credit file ''. If I ask you to add to my fraud alert then I'm asking Equifax to please send me the letter/form for this claim you made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: SC

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. 

Account name : 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 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 explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have had a checking account with XXXX since XXXX. Since that time my name has not changed, my address has not changed, my phone number has not changed, even my email has not changed. I am in the local branch office 2/3 times a month and know most staff on sight. On Saturday XX/XX/XXXX I was unable to sign in to my online account to use bill pay and to XXXX. I tried 3 time without success and finally called customer service since it was a Saturday and no branches were open. I was told I was not authorized to sign on the account. The account is registered to my trust and is my primary account. I told this person they were mistaken. No changes have been make to the account since it was opened. I was told I had to go to a branch on Monday, so no access to my funds no access to my bill pay and no ability to send my daughter a birthday XXXX  transfer! On Monday I went to the local branch that we use and staff said I had to fill out some paperwork as there was a system upgrade that locked me out of the account. I asked where the original documentation was from when I opened the account., they did not have or could not find it. I got my estate documents and went back to the bank. Filled out the paperwork I was asked to and they uploaded it to the system. I asked could they call and get me access to my account again, they could not a supervisor had to review the paperwork and she was not in the office. I waited until Tuesday figuring the system had to upload overnight. I was unable to get into my account and again called Truist customer service. They said they could not help my and it may take another 3/5 days. 

I am unable to pay bills, I may incur some finance charges. I have a XXXX XXXX XXXX and have never been late with a bill in my life. Truist does not seem to understand how important this is to me. I never got a phone, email or letter indicating any problems with my account. I was in the branch just 2 days before this occurred and no teller said anything about any issue. 

My pension check is direct deposited as is my social security so it will take time if I want to move my funds elsewhere. I get the sense I am not the only person that this has happened to. I am a XXXX XXXX who tries to do the right thing. Who hold big banks accoutable to do the right thing as well?

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 2023-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
This Is From The Fake XXXX XXXX Had The phone Since XX/XX/2020 Was Being hacked, And setting all Put Offs. And Was a {$400.00} Phone I Contact The XXXX XXXX, And XXXX And did Nothing For Me I Had XXXX  For XXXX  Years Until I Had A Fake XXXX In My House In XX/XX/2020 Got Money For My Home Se-vices. But I Decided Not to pay {$50.00} Cause The XXXX  Was Shutting My Data Offs And Making my Bill Higher. They Wanted Me To Go To Collection?? Cause Of Retaliation. Cause XXXX And XXXX And XXXX XXXX XXXX XXXX I Knew XXXX Before. And They Would Get Their Walking Papers.?? 
I Contact The XXXX. Data Breach .And Crashing My Computer too They Should Be In Jail. I Contact XXXX XXXX In credit collection Sevices. And let Her Know I Have Evidences And Witness Too. 
From XXXX  And FTC And i Contact XXXX XXXX. The Fake CEO Want To Have This Removed. The Phone All Pay Offs. 
They Wont Do It To a Guy?? And XXXX Saying Your a Tough XXXX. 
They Have lost XXXX Customers Cause Of The XXXX. 
Hope You Will Help Me With This Problem.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX Last reported XX/XX/2023 AMOUNT : {$6200.00} 15.U.C.168I THIS FRAUD ACCOUNT SHALL DELETE FROM MY CREDIT REPORT. 

XXXX XXXX XXXX XXXX XXXX XXXX  NOT AUTHORIZE TO PUT THIS FRAUD ACCOUNT IN TO MY CREDIT REPORT WITHOUT MY KNOWLEDGE. 

DELETE THIS INACCURATE COLLECTION ACCOUNT FROM MY CREDIT REPORT BY LAW.

Company response to consumer: Closed with explanation