vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-08 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: OH

Complaint narrative:
XXXX XXXX XX/XX/XXXX CREDIT XXXX BANK NA XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX SPEEDY CASH/CURO 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 2023-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Computer Credit, Inc.
State: IL

Complaint narrative:
I have a Worker 's Compensation Claim for a job-related injury. I have medical expenses for this injury agreed to be paid by XXXX XXXX XXXX. This was decided upon before receiving any medical procedures. XXXX XXXX XXXX has stopped my worker 's compensation checks, incurred transportation expenses, because they had me travel a long distance to see their doctor, and now refuses to pay the Medical Bills that I have incurred due to a job-related injury. Because XXXX XXXX XXXX XXXX could not collect the money from the insurance company, they turned the matter over to a Collection agency against me when they know that " XXXX XXXX XXXX '' is the rightful guarantor of this debt and not me. Since it is too difficult for them to deal with this XXXX XXXX, they named me the guarantor and are now pressuring me to pay this bill. XXXX XXXX XXXX XXXX has jeopardized my " excellent '' credit rating by turning this matter over to a collection agency naming me the guarantor even though they have admitted through numerous phone calls that I have had with them trying to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I have paid XXXX current and it continues to show as late and does not reflect payments made. Please update this to reflect accurate status.

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 2023-04-08 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: EQUIFAX, INC.
State: OR

Complaint narrative:
I have paid XXXX current and it continues to show as late and does not reflect payments made. Please update this to reflect accurate status.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 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:
accordance with the Fair Credit Reporting act. XXXX, transunion, XXXX has violated my federally protected consumer rights to privacy According to the 15 u.s.c 1681 section 602 states I have the rights 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 15 U.S.C 1692C These addresses do not belong 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 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX. You have me listed as XXXX XXXX XXXX. Please update to the correct name. My address XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. Please update this as my current and only address.

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 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/2023, I mailed a letter to Equifax, XXXX, and XXXX to update my personal information, removing old and unfamiliar addresses, employer information, and incorrect spellings of my name and to send me an update credit report once completed. Neither reporting agency has followed through with my request which is a violation of 15 USC 1681 ( a ) ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 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: CA

Complaint narrative:
Pursuant to the FCRA, it is EXPERIAN 's duty to report correct and accurate information on my credit report and file. However, they are NOT. EXPERIAN is reporting inaccurate late payments for the XXXX  XXXX XXXX account ending in XXXX. These inaccurate late payments includes the reporting of 150 days delinquent on XX/XX/. This is INCORRECT and is supposed to be reporting as PAID AS AGREED. Moreover, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ) of the FCRA, a consumer report does NOT contain information or experiences between the consumer and the person making the report. A. late payment constitutes a " transaction ''. Therefore, the reporting of the inaccurate late payments results in EXPERIAN violating my federally protected consumer rights. Furthermore, I did NOT give EXPERIAN written instruction/ permission to furnish the inaccurate late payments on my report and file, violating 15 U.S.C . 1681b ( a ) ( 2 ). It is VERY clear that EXPERIAN has violated my federally protected consumer right and the reporting of the inaccurate late payments has caused me and my reputation severe harm and discrimination.

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 2023-04-08 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: FL

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. 
XXXX XXXX XXXX XXXX XXXX Account Nunber XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Nunber XXXX XXXX XXXX XXXX XXXX XXXX  Account Number 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 non-monetary relief
Consumer complaint received 2023-04-08 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: FL

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. 
XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Nunber XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Number 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 2023-04-08 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FORD MOTOR CREDIT CO.
State: LA

Complaint narrative:
XXXX  leased XXXX  XXXX. Purchase excess mileage ( section 12 on lease ) Ford had me listed for excess mileage. Not true. Major mechanical motor issues ( see attached ) Wanted to finance after lease but could not. It was a lemon. Now XXXX, XXXX, XXXX, XXXX XXXX collection agency is sending collections ( see attached )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/, I wrote a check against my Citibank , N.A . checking account to pay XXXX XXXX XXXX XXXX XXXX the sum of {$160.00}. Late in the evening of XX/XX/, I discovered that this check had been materially altered to be made payable to someone named XXXX XXXX and the amount payable increased to {$8900.00}. That evening I called Citibank to alert them of this problem. They promptly sent me a XXXX of XXXX XXXX XXXX to complete and I immediately completed the form and emailed it to the designated Citibank department at around XXXX. on XX/XX/XXXX. 
I learned just yesterday that although the check had only been posted to my account on XX/XX/XXXX, Citibank has only attempted to make a late return of the item to the bank of deposit, XXXX XXXX, and that it might take up to 65 days for XXXX XXXX to investigate and resolve this matter, and that until then nothing could be done with respect to my claim. This delay seems to be wholly inappropriate and abusive. It is readily apparent from looking at the check that it was wrongfully and improperly altered and there is no legitimate business reason for delaying the acceptance of my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The information that Equifax is using is reporting inaccurate information that doesn't match my personal information. Equifax still is reporting it as it violates my rights to the laws listed below. The information has my name as XXXX XXXX XXXX. This is not my name. My name is XXXX XXXX as it reports on my Equifax report. It also reports my address as XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX. This has never been my address. My address has been XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX andXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. As listed on my Equifax report. This is a violation to my rights of fair and accuracy. This has already been removed off of my XXXX account due to several violations. Account in question is XXXX XXXX Reference number XXXX. Date filed XX/XX/ The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 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: CA

Complaint narrative:
According to the FCRA, it is EXPERIAN 's duty to report CORRECT and ACCURATE information on my credit report and file. However, they are NOT. EXPERIAN is reporting inaccurate late payments for the XXXX/ DEPT OF ED account ending in XXXX. This includes the report of 150 days delinquent on XX/XX/2018. This is INCORRECT and is supposed to be reporting as PAID AS AGREED. Moreover, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a " transaction ''. Therefore, the reporting of the inaccurate late payments results in EXPERIAN violating my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction/ permission to furnish the inaccurate late payments on my report and file, violating 15 U.S.C . 1681b ( a ) ( 2 ). It is VERY clear that EXPERIAN has violated my federally protected consumer rights and the reporting of the inaccurate late payments has caused me and my reputation severe harm and discrimination.

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 2023-04-08 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: GOLDMAN SACHS BANK USA
State: OR

Complaint narrative:
Apple credit card- is violating the FCRA and reporting : 1. I owe {$2800.00} on debits that were ruled during identity theft disputes filed, and filed to not be my charges. I actually owe XXXX. They have told me during multiple calls I dont owe, and they emailed a accountant to write off the charges. 

2. Inaccurate reporting to the credit bureaus : my last dispute was finalized by XX/XX/XXXX, yet they have reported to bureaus the fraud charges instead of removing them by the statuatory deadline of XX/XX/XXXX. It took XXXX calls to get my balance amount due because their system does not show what is actually owed. It was paid off in XX/XX/XXXX. Suggest they fix their system to show charges customer owes from fraud charges, 3. Since I owe nothing, and all fraud charges sere disputed in my favor, they needed to report on XX/XX/XXXX only the balance I owed, not leave the fraud charges on my account as a balance due. Instead of me owing {$250.00} roughly, their reporting to bureaus as of XX/XX/XXXX, over {$3600.00} is owed, inaccurate reporting. 

4. As of XX/XX/XXXX, their reporting I am delinquent and owe over {$2800.00} when I dont owe any money. Their only solution is to send a email and nothing gets done. Theyve stated I dont owe, but they can fix their system as their not allowed to do any entries, only their accountant can fix this, but she never called me like they promised she would do in XXXX, XXXX. 

I have asked for the credit reporting to be fixed, and my credit score returned to XXXX like it was prior to their inaccurate reporting. Who can help me? 
I sent them a certified letter disputing the inaccuracies and they received it on XX/XX/XXXX. Please make them comply with the laws since they have until XX/XX/XXXX to fix the innacurate reporting, Thank you, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: NJ

Complaint narrative:
Selene Finance purchased my mortgage from XXXX XXXX XXXX and my escrow was not transferred. Selene is now insisting that I have to pay the taxes and I am behind on my taxes now subsequently. Please see attached correspondence sent from XXXX confirming Selene Finance ownership. 

NOTICE OF SERVICING TRANSFER The servicing of your mortgage loan is being transferred effective XX/XX/2022. This means that after this date, a new servicer will be collecting your mortgage payments from you. Nothing else about your mortgage will change. 
XXXX XXXX , XXXX is now collecting your payments. XXXX XXXX , XXXX will stop accepting payments from you after XX/XX/2022. 
Selene Finance LP will collect your payments going forward. Your new servicer will start accepting payments received from you on XX/XX/2022. 

Send all payments due on or after XX/XX/2022 to Selene Finance LP, at this address : XXXX XXXX XXXX XXXX, XXXX, PA XXXX If you have questions for either your present servicer, XXXX XXXX , XXXX or your new servicer, Selene Finance LP , about your mortgage loan or this transfer, please contact them using the information below : Current Servicer : New Servicer : XXXX XXXX , XXXX Selene Finance LP Attn : Customer Service Attn : Customer Service XXXX XXXX Mon to Fri XXXX XXXX to XXXX XXXX and Saturday from XXXX to Noon ( CT ) XXXX XXXX to XXXX XXXX CT Mon Thu XXXX XXXX to XXXX XXXX CT Fri XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX, TX XXXX Former Account No. XXXX New Account No. XXXX Important note about insurance : If you have mortgage life or XXXX insurance or any other type of optional insurance, the transfer of servicing rights may affect your insurance in the following way : These products will NOT transfer to Selene Finance LP. 
You should do the following to maintain coverage : To continue these optional policies, contact your insurance carriers directly and inform Selene Finance LP of any coverage you are planning to continue. 
Under federal law, during the 60-day period following the effective date of the transfer of the loan servicing, a loan payment received by your old servicer on or before its due date may not be treated by the new servicer as late, and a late fee may not be imposed on you. 
Customer Service, XXXX XXXX , XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE DELETE THE ADRESS XXXX XXXX XXXX XXXX XXXX AND ANY OTHER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
AND PLEASE DELETE ALL OLD NAME EXCEPT XXXX XXXX XXXX XXXX XXXX XXXX XXXX
THANK YOU...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE DELETE THE ADRESS XXXX XXXX XXXX XXXX XXXX AND ANY OTHER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
AND PLEASE DELETE ALL OLD NAME EXCEPT XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THANK 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 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Consumer reporting agencies Equifax and XXXX are violating my consumer rights protected by the FCRA. 15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

The companies are reporting inaccurate information on my credit report to include names and addresses that DONOT belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I'm a victim of identity theft. Somebody opened a checking account in XXXX XXXX  XXXX. ( XXXX  ) on XX/XX/2023 with my name and personal information without my consent or approval. They transfer money ( {$9100.00} ) from my personal savings bank Citibank to XXXX XXXX  by an online transaction ( ACH ). I called CITIBANK AND PLACE A STOP PAYMENT AND REPORT FRAUD. After their investigation, they still didn't return my money back to my savings account. I need to secure my personal information and credit report that I could be victim of these criminals. Please HELP ME to protect and make safe my credit report by securing my individual personal information. I need to block my credit to prevent being a victim of other crimes in the future. 
Attached you can find POLICE REPORT, DEBIT CARD AND CHECKING INFORMATION OF XXXX XXXX NEVER OPENED WITH MY CONSENT Citibank report 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 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Consumer reporting agencies XXXX and Experian are violating my consumer rights protected by the FCRA. 15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

The companies are reporting inaccurate information on my credit report to include names and addresses that DONOT belong to 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 non-monetary relief