vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-14 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To whom it may concern, The reason for this letter it to dispute an unauthorized inquiry on my credit report. I retrieved a copy of my credit report and discovered inquiries that I have no knowledge of. 

Because I did not apply for credit with the lender and/or creditors below, I have also reached out asking that they remove the inquiry from my credit profile. 

Please launch an investigation into the inquiries to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if the below lender/creditors are able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 

Thanks in advance for your prompt attention to this matter XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXX/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 explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: IL

Complaint narrative:
My Illinois unemployment card, issued thru Key Bank, was frozen and I havent been able to use the funds deposited for over 6 months now. I spoke to multiple bank representatives and sent in all of the info that they asked for and have yet to get the account unfrozen, not have I received any correspondence from the bank. They basically locked up my funds and ceased communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I received my TransUnion Credit report Approximately XX/XX/22. At that point, I began to dispute inaccurate and outdated information in my file. That request was mailed to them on XX/XX/22. I requested that the inaccurate addresses & phone numbers be removed, as well as ( 2 ) XXXX Accounts and the XXXX Accounts. I forwarded them copies of my XXXX file which had the same information and upon receipt of my dispute, the information was deleted from my file due to lack of validation. To date, I have not received any communication from TransUnion concerning 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 2022-03-14 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-14 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:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: BMO BANK NATIONAL ASSOCIATION
State: IN

Complaint narrative:
I have inquiries that I do not recognize on my XXXX credit report! 

These inquiries are for : XXXX XXXX, XXXX XXXX, and BMO Harris bank. They were all made on the same day, which was XX/XX/2020. 


I contacted XXXX and provided all necessary information to prove it wasn't me -- but they did not remove the inquiries!

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 2022-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: NJ

Complaint narrative:
Hi, I have current mortgage with BSI Financial, and when I check status on my payment on the BSI Financial for month of XXXX. It's shows that I have not make the payment and it's passed due. When I see from my online bank that BSI Financial did cashed a check on XX/XX/2022 so I don't understand how BSI Financial stated that they received this XXXX payment. Plus I'm there no one picking up phone from customer service of BSI Financial. I have left two message, and so far I have not received any phone call back from the BSI Financial. I'm really annoyed with BSI Financial in sense how they operate business and how US government let this type mortgage company tolerate with business practice that they are using with consumer. US government to step in and look over each consumer complaint with this mortgage lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCF Intermediate Holdings LLC
State: FL

Complaint narrative:
I keep getting calls from this fraudulent debt collectorny XXXX XXXX XXXX Phone number ( XXXX ) XXXX, ( XXXX ) XXXX, and other numbers. They are claiming that I owe a debt to an online payday loan company called CHECKSMART LOAN. I do NOT owe this company anything. 

Checksmart loan has also pursued me through another fraudulent debt collector called XXXX XXXX XXXX ( XXXX XXXX XXXX ) which site isn't even working because they are scammers. They call me from XXXX and XXXX. 

Please help me stop both fraudulent debt collects from contacting me about a loan I don't owe. They are very threatening, belligerent calls. They call me multiple times a day saying that they will send people to take me to jail, that they will show up at my job, that they will take me to court. It's just too much. I need these Please penalize Checksmart Loan for making false accusations that I owe them when I don't.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
To : XXXX. XXXX XXXX XXXX - We were notified the first few weeks in XXXX that our mortgage was being purchased by Pnc Bank XXXX XXXX. XXXX. No sooner had the ink dried, we received a letter dated XXXX. XXXX stating that we were behind on our payment and we could lose our home. We called and were told that we owed for XXXX XXXX. We received a letter dated XXXX stating that {$300.00} was going to be taken from our mortgage payment. Then, the bombshell letter also dated XXXX. XXXX, came which was a replica of the letters we had been receiving from XXXX XXXX  - stating lies upon lies, refusing our XXXX XXXX, applying our mortgage payments to pay attornety fees, to pay for forced placed escrow ins. and to pay your illegal interest/fees- always threathening us with foreclosure. Now, we understand! Pnc Bank and XXXX XXXX  are one and the same. Under your direction, Pnc will not accept our XXXX XXXX. XXXX and XXXX 's proof of our payment ( s ) to XXXX. Under your direction, will not accept our mortgage payments from XXXX to XXXX XXXX and XXXX XXXX XXXX XXXX 's proof of payments. You are following the same path XXXX XXXX  has followed the past four years with us- Always rejecting anything that might impede you from taking our home the easiest and least costly way. Why do you want to illegally take the homes of Seniors and Veterans - This is despicable! On XXXX. XXXX. XXXX, an associate said that a certain associate was assigned our case. We called her that same morning and we received a recording - and here, today, XXXX. XXXX to reach out again, we called and the associate asked us if we would speak to anyone in her office. We said yes. She could not connect with that office and we asked if we could speak to a supervisor/manager and she said that she would have one to call us. A supervisor/manager never did call We did not expect them to call for this is the same proceduure used by XXXX XXXX  XXXX We will not allow our home to be stolen by Pnc Bank. PNC bank has already been sued for a similar reason!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BSI Financial Holdings, Inc.
State: CO

Complaint narrative:
The company sent me an email to " go paperless '' for my bill. I have never heard of this company, and know of no reason why they would be billing me, or even contacting me. What concerns me explicitly here is that it appears they are trying to trick me into acknowledging that I have read the email by clicking a link to " go paperless '' or " opt out. '' I won't be clicking either of these links because that's a tactic used by spammers. If I do owe these people money, they can contact me like a normal company instead of stealing my email address and attempting to trick me. I've included the full email they sent me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act DRS # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681s2, a furnisher has a duty to provide accurate information to CRAs and a duty to conduct an investigation into the completeness and accuracy of the information furnished. An individual may assert a private cause of action for violations 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 2022-03-14 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: FirstPoint Collection Resources
State: NC

Complaint narrative:
Firstpoint Collection Resources Inc XXXX XXXX XXXX XXXX, NC XXXX The above company sent 7 unpaid bills to my credit report without sending the bills to me. I was under the impression that these bills were sent in as claims to my insurance company ( XXXX ) for payment. I contacted the original creditor and learned that these bills were submitted to a CLEARING HOUSE for potential payment and denied. 

The bills were not sent in as claims to my provider and this was verified with XXXX. 

1. XX/XX/2022 {$40.00} 2. XX/XX/2022 {$140.00} 3. XX/XX/2022 {$40.00} 4. XX/XX/2022 {$40.00} 5. XX/XX/2022 {$110.00} 6. XX/XX/2022 {$40.00} 7. XX/XX/2022 {$4400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: PA

Complaint narrative:
I have reviewed my consumer report and found unverified and unvalidated items being furnished. It is against the law to furnish anything that has no proof of concrete evidence. Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

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 2022-03-14 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: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
I have inquiries that I do not recognize on my XXXX credit report! 

These inquiries are for : XXXX XXXX, XXXX XXXX, and XXXX XXXX bank. They were all made on the same day, which was XX/XX/2020. 


I contacted XXXX and provided all necessary information to prove it wasn't me -- but they did not remove the inquiries!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-03-14 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: TX

Complaint narrative:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Avant Holding Company, Inc.
State: FL

Complaint narrative:
I paid AVANT CREDIT CARD LONG TIME AGO AND ITS BERRY IRRITATING WHEN THEY PUTTING WRONG INFO ON MY CREDIT REPORT LIKE IM SOME CRIMINAL THEY GONA HAVE TO XXXX FROM MY LAWYER OF THEY DONT REMOVE FROM REPORT ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experians credit monitoring is showing that my usage for the XXXX card is at 68 % when my current balance is at {$0.00}, I need them to fix this current problem with XXXX XXXX so that it doesnt look like my utilization is high to potential creditors

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 2022-03-14 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: PENNYMAC LOAN SERVICES, LLC.
State: NC

Complaint narrative:
PennyMac Financial Services ( PENNYMAC LOAN SERVICES ) claimed I did not make my mortgage payment in XXXX, 2017. 

I made one payment on XX/XX/2017 to XXXX XXXX XXXX  XXXX XXXX ( the original lender ) and a second payment on XX/XX/2017 to PennyMac.

I realized at a later date that PennyMac had reported my payment as late which is inaccurate. I have reached out to PennyMac and the credit agencies several times to get this removed. However, it remains reported late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they failed to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and there has been a failure to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I HAVE REQUESTED DEBT VERIFICATION LETTER MULTIPLE TIMES FOR A DEBT WITH CITI ACCOUNT ENDING IN XXXX, I RECEVIED A LETTER THAT I AM NOT RESPONSIBLE FOR THE DEBT AND CONTINUE TO RECEIVE NOTICES ON THSI DEBT AHVE SPOKEN TO CITI MULTIPLE TIMES AND IT CONTINUES TO BE REPORTED I HAVE LETTERS I CAN SEND YOU I HAVE SPOKEN TO REP ENDING IN XXXX on this matter and have been given wrong and misleading information. i received the letter in XXXX and they refuse to update credit report, i have also requested debt validations that are on credit report for accounts ending in XXXX i have requested this numerous times before it was sent to collections. i attachted the email i sent citi that was sent on XX/XX/XXXX, in regards to a call on XX/XX/XXXX i have requested debt verification letters on 4 occasions between XX/XX/XXXX and XX/XX/XXXX and have not received anything they have my correct

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