vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XX/XX/2023 I sent a letter to the courthouse asking them if they report bankruptcy to the bureaus, they responded with a letter saying they do not report to any reporting agency. If thats the case how was this account verified? This further explains that there was not a fair investigation but ion according to USC 15 181 sec 603 E states. The term investigative consumer report and portion thereof. are obtained through personal interviews 15usc 1681 section 602 states that I have rights to privacy 15 USC 1681 604 a section..

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 2023-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IL

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

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 2023-06-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This concerns a vehicle lease I had with XXXX XXXX XXXX, I had a XXXXmonth lease, and nearing the end I requested an extension for another 6 months. the lease was granted and I have a signed lease through XX/XX/XXXX. All my payments were made on time and I never missed a payment. Then the evening of XX/XX/XXXX I noticed my car was gone, I reported the vehicle stolen, A neighbor of mine had a security camera and we saw the vehicle was towed. Called the towing co. and they said it was a repossession, tried calling XXXX left messages and no one would return a phone call, with total disregard for their customer. As I started to get letters from my credit card companies reducing my credit lines almost to what I owed, and when I applied for new credit I would get letters stating 'denied serious delinquency ', pulled my credit reports, and saw the repossession with a balance of a XXXX written off, in for collections. mind you I had excellent credit up to this point, now came the calls from the collection agency asking to pay the XXXX, didn't know what it was for I asked them to send a copy of the invoice which I never received from XXXX then I saw the date of the invoice ( XX/XX/XXXX ) 15 months after the vehicle was repossessed. 
I filed complaints with the XXXX, with the XXXX XXXX department, since I did receive a few phone calls however when I returned the calls and left XXXX they were ignored. 
At the time of the repossession I was XXXX yrs old I had to inconvenience people to take me to doctor visits and to take me shopping, not only was this embarrassing it took a lot of time scheduling and asking for help. so I'm asking for my good credit back so i can lease a vehicle before I'm to old to drive.

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 2023-06-14 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:
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. 

The letters are stated with items and issues. 

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 2023-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
XX/XX/2023, XX/XX/2023, XX/XX/2023. Under different #. Most recent # XXXX. Received a call everyday this week from an unknown # 's. Answered the call and the person requested for me to verify my information. When I asked what company was being represented the person stated she couldn't tell me that information. I told her I will not give my information to someone who can't tell me who they are trying to collect information for. She then stated you are refusing to cooperate so I will note that and hang up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14 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: CA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX have 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 with antedates the report by more than seven years.

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 2023-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

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 2023-06-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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.

The letters are stated with items and issues.

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 non-monetary relief
Consumer complaint received 2023-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
I had a checking account with Santander Bank that I called to close in XXXX. I thought it was all set. When I went to set up a business banking account with a small local family bank, I was denied three times due to having an open defaulted checking account. I was referred to a collections agency and took care of the balance. I called Santander to confirm they received this payment and they said they had and this should be removed from my report in a few days. One week later I went back to a second small local bank and it was still on my account. I called early warning services who said Santander never notified them of my payment, and that I could file a dispute but it could take up to 30 days. I called Santander again and they said they sent me a letter and emailed a copy but I never got it. In the meantime..Im sitting on business checks that I cant cash because I cant open a business account. How are small business owners supposed to support their families when they are repeatedly being denied a business account due to Santander not closing an account when a client requests it, letting it overdraft, charging outlandish overdraft fees that are now illegal, sending it to collections then NOT updating XXXX after the customer finally finds out about and pays off their account that should have been closed in the first place?

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 2023-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: American First Finance, Inc.
State: NY

Complaint narrative:
Account wont go away

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them 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 2023-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: DC

Complaint narrative:
On XX/XX/2023, I paid my mortgage in the branch via personal check with the late fee included. The receipt stated calendar date and business date. The payment was received on XX/XX/2023, but was not reflected on the statement until XX/XX/2023. I acknowledge this was a holiday weekend. However, their written correspondence clearly states the payment will be credited the same day. This is troublesome because PNC mortgage and its statements state the payment is credited the date received. That did not happen in my case. There is no addendum to the statement which makes it egregious and misleading. 

Before PNC Mortgage attacks me, I acknowledge the payment is due on the first. I have never made a mortgage payment after the 30 days has elapsed. The issue is not me, the issue is PNC Mortgage has misleading statements on its website and written correspondence. That can harm borrowers as they may make a payment on the XXXX of the month thinking it will be credited the same day and it won't be credited the same day as their written documentation states. Their inconsistent practices are harming borrowers and potentially ruining their credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: NY

Complaint narrative:
I am reaching out to you as my last resource in resolving this issue, which continues taking place month after month. Unfortunately, we are unable to resolve it thru the regular phone lines. 

We also contacted CEO of RoundPoint but no response as of yet. 

First, since XXXX of this year Round Point, decided to charge me escrow additional dollars every month and late fees for home owners insurance despite evidence was facilitated back in XXXX. 

Second, every month since XXXX RoundPoint doesnt allow me to pay my official balance morgage ( {$1000.00} ) but instead wants us to pay an additional over payment of ( {$570.00} ) in escrow. 

RoundPoint Mortgage Servicing continues pushing us to overpay and promises to refund us back within 10 days which never happens. 

Why should i continue over paying, including late fees and trust round point to save my over payments and refund me? Is Round Point going to pay me interest rate on all overpayments they are kindly saving on my behalf? Please Note this is extra money i dont have available and which is going to a supposely suspense account. I dont want Round Point to become my savings bank. This situation is very disrespectful to us as their clients, and i am hoping you are able to get answers on my behalf and help us reaolve it as soon as possible. 

If you are in need of additional details, refer to below facts gathered by my husband during his numerous calls made in the past. Ive also included attachments. 

Thank you in advance for anything you can do in our behalf. 

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 2023-06-14 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: Kriya Capital, LLC
State: FL

Complaint narrative:
i am livid with you all about the disputes.. These items need to be removed. 

RE : You Violated The United States Federal Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b - Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account below. 

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also we have already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, Better Business Bureau, and Federal Trade Commission.

1.Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. 

account : Account Name : XXXX  XXXX XXXX ( ACCOUNT WAS PAID AND NEEDS TO BE REMOVED AND ACCOUNT IS 7 YEARS OLD HAS TO BE REMOVED ) Date:XXXX  As a consumer by law this account must be deleted immediately. 

2.Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. 

Account Name : CREDENCE RESOURCE MANAGEMENT Date:XXXX As a consumer by law this ACCOUNT must be deleted immediately. 

3. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. 
ACCOUNT Name : XXXX XXXX XXXX Date:XXXX As a consumer by law this account must be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
ATTN : CREDIT BUREAUS You are reporting inaccurate and incomplete credit information. 
The credit report you provided shows a history of payment or payments being made late that are not proven and are incorrect. I demand that you -- as REQUIRED BY MY STATES LAWS and also by the FEDERAL LAWS that govern your behavior while dealing with consumer reports to include your RECEIPT and or your REPORTING of them, to fully document in testimony to every single one even each any and or all of the facts related to this allegation withstanding none. 
I have contacted the creditor and they have stated that they are unable at this time to document these payment irregularities, by omission the creditor is in direct violation of the FCRA-tort law example : Fields v. Wilber Law Firm, Donald L. Wilber and Kenneth Wilber , USCA-02-C-0072, 7th Circuit Court , Sept. 2004. I demand that you take action to correct your errors. I request that you provide me with written documentation of how and what means you used to verify these payments. 
Under the terms of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1666b ) I am exercising my rights and formally request that you provide a COMPLETE amended copy of my credit report when your investigation is completed for my records showing that these late payments have been removed. Please re-investigate the accusations that are detailed below and ensure the precise facts to each and all are, as mandated, completely true, whole, correct, not outdated, specific, purposeful, mine, and adequately compliant to any and all obligations of your reporting bar none. 

Creditor : XXXX XXXX XXXX  Account # : XXXX Late Payment Date : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX AND XX/XX/XXXX Please correct the payment status for this account. 
to reported ON-TIME and/or CURRENT payment in all months and years above. 
If not physically irrefutable you are not authorized to retain or report these allegations so annul in brief today even right now or certificate that your testimony proves compliance and accuracy of every and one even each any and all OF THE data aspects. I demand that you return to or retain compliance as mandated and do so without injury AND or prejudices towards me now or thereafter. 
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 non-monetary relief
Consumer complaint received 2023-06-14 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: LA

Complaint narrative:
ATTN : CREDIT BUREAUS You are reporting inaccurate and incomplete credit information. 
The credit report you provided shows a history of payment or payments being made late that are not proven and are incorrect. I demand that you -- as REQUIRED BY MY STATES LAWS and also by the FEDERAL LAWS that govern your behavior while dealing with consumer reports to include your RECEIPT and or your REPORTING of them, to fully document in testimony to every single one even each any and or all of the facts related to this allegation withstanding none. 
I have contacted the creditor and they have stated that they are unable at this time to document these payment irregularities, by omission the creditor is in direct violation of the XXXX law example : Fields v. XXXX XXXX Firm, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. I demand that you take action to correct your errors. I request that you provide me with written documentation of how and what means you used to verify these payments. 
Under the terms of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1666b ) I am exercising my rights and formally request that you provide a COMPLETE amended copy of my credit report when your investigation is completed for my records showing that these late payments have been removed. Please re-investigate the accusations that are detailed below and ensure the precise facts to each and all are, as mandated, completely true, whole, correct, not outdated, specific, purposeful, mine, and adequately compliant to any and all obligations of your reporting bar none. 

Creditor : XXXX XXXX XXXX  Account # : XXXX Late Payment Date : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX AND XX/XX/XXXX Please correct the payment status for this account. 
to reported ON-TIME and/or CURRENT payment in all months and years above. 
If not physically irrefutable you are not authorized to retain or report these allegations so annul in brief today even right now or certificate that your testimony proves compliance and accuracy of every and one even each any and all OF THE data aspects. I demand that you return to or retain compliance as mandated and do so without injury AND or prejudices towards me now or thereafter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief