vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-20 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: VA

Complaint narrative:
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 or information, other than records of convictions of crimes which antedates the report by more than seven years.Pursant to 18 USC 8, I owe no debt, This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 These are the following accounts that are fraudulent on my consumer report US DEPT XXXX XXXX DEPTEDXXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 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 or information, other than records of convictions of crimes which 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 2022-08-20 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: VA

Complaint narrative:
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 or information, other than records of convictions of crimes which antedates the report by more than seven years.Pursant to 18 USC 8, I owe no debt, This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 These are the following accounts that are fraudulent on my consumer report US DEPT XXXX XXXX DEPTEDXXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 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 or information, other than records of convictions of crimes which 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 non-monetary relief
Consumer complaint received 2022-08-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I spoke to Experian on numerous occasions about several accounts on my credit report that was a result of identity theft. Also I called the companies and they keep telling me that the information is factual. 

XXXX. XXXX XXXX -This account was opened on XX/XX/XXXX, the account number that is listed on my Experian report is XXXX in the amount of {$3100.00}. The company address is XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXXThis account was opened on XX/XX/XXXX, the account number listed on my Experian report is XXXX. The company address is XXXX XXXX XXXX XXXX XXXX, MN XXXX. 

3. XXXXXXXX XXXX  XXXX - This account was opened on XX/XX/XXXX, the account number listed on my Experian credit report is XXXX in the amount of {$780.00}. The company address is po box XXXX XXXX XXXX, NY XXXX. All of these accounts are due to identity theft and fraud. I need them to be removed from my credit report permanently.

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 2022-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
In XX/XX/2022 my loan was approved for modification where the term was extended from 30 to 40 years and monthly payment was reduced by {$78.00}. However, this reduction is not significant and continues the issue for me to afford the payments. The rate remained the same 4.5 % when at the same time XXXX XXXX offered 3.125 %. When I asked Santander why I didnt get the lower rate, I was advised to submit a rate reduction request. I submitted the request on XX/XX/2022 via the loss mitigation portal. When I attempted to follow-up in the status, the portal indicated that my case is under review, but I didnt receive any acknowledgment of submission or resolution. I called Santander on weekly basis the entire months of XXXX, XXXX, XXXX and most or XXXX. My XXXX  from the approved modification wasnt available. When I was able to leave a VM nobody responded and most of the time the announcement stated that the VM box is full. Finally, when I got a hold of someone on XX/XX/2022, I was advised that lower rate is not available since I agreed to the modification despite it being told in XXXX to accept the modification and request rate reduction separately.

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 2022-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XXXX XXXX I called to make a payment on my card by Electronic Funds Transfer. The payment was for {$20000.00} and was made through the automated system. I received a confirmation number - XXXX. However, only {$18000.00} was credited to my account. 

When I called to ask why this happened I was transferred ( after a 10 minute hold ) to the fraud department in the XXXX, who didn't know why I had been transferred to them. Rather than dealing with a bunch of amateurs who don't know what they are doing, it is easier to get this resolved by complaining to the XXXX- which will force the company to give my issue the time and attention it deserves. It is sad that the XXXX has become the XXXX customer service department

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 2022-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CALCON MUTUAL MORTGAGE LLC DBA ONETRUST HOME LOANS
State: OH

Complaint narrative:
On XX/XX/22 we submitted a request to our lender for our home to be reappraised. Weve completed a substantial amount of updates that would increase the value of our home and property. Once reappraised at a higher value than the original purchase amount, we would qualify for the removal of our PMI. We were asked to give an estimate in cost for the completion of our updates within the first 48 hours. 

We were told the process could take up to 60 days. Were now approaching the 90 day mark and the lender will not respond to our email asking why the process hasnt started. We believe our rights to have the value of our home reassessed is being stalled or denied.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-20 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: TN

Complaint narrative:
last year I became a victim of identity theft by my XXXX XXXX. there were multiple accounts opened with XXXX XXXX. I originally sent XXXX XXXX fraud affidavits and a police report to correct the issue but they only closed XXXX of the accounts as fraud leaving me with XXXX accounts I did not open. XXXX XXXX XXXX  and XXXX. since this complaint is against Transunion I will not go into the situation with XXXX  bank as to how I am a victim of identity theft for the XXXX  accounts but not the others as they were all opened around the same time frame. after a few moths of going back and fourth with XXXX XXXX I filed a complaint with Transunion which I followed the forms from them carefully and fully attaching both a FTC identity theft affidavit and a police report. Transunion has refused to remove the accounts shown above with no explanation as to what they used to determine the outcome. I have exhausted myself and spent hours upon hours to correct my credit report to no avail. its obvious I was a victim of identity theft as they can see XXXX other XXXX  accounts being removed for identity theft. I really need the CFPB help with this as I'm now left with only one option to hire a attorney which will cost me a few thousand dollars that I should not have to pay as Transunion and XXXX XXXX have violated my federal rights as to the fair credit reporting act and the fair and accurate credit transactions act. this situation has affected me XXXX I'm exhausted and truly becoming XXXX  as I watch my credit score and report be destroyed. thank you for your time and assistance.

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 2022-08-20 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I was notified by XXXX XXXX that 3 Hard inquiries were made under my name, none of which I authorized. One of the inquiries was made by XXXX XXXX Bank on XX/XX/2022. The 2nd inquiry was made by XXXX XXXX XXXX on XX/XX/2022, and the 3rd inquiry was made by American Express on XX/XX/2022. I've called all 3 banking institutions and they confirmed that they can not see account inquiries based on my current information. 

I can't understand then who made those 3 inquiries and why it's reflected on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was notified by XXXX XXXX that 3 Hard inquiries were made under my name, none of which I authorized. One of the inquiries was made by Capital One Bank on XX/XX/2022. The 2nd inquiry was made by XXXX XXXX XXXX on XX/XX/2022, and the 3rd inquiry was made by XXXX XXXX on XX/XX/2022. I've called all 3 banking institutions and they confirmed that they can not see account inquiries based on my current information. 

I can't understand then who made those 3 inquiries and why it's reflected on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Collection Systems, Inc.
State: NY

Complaint narrative:
To Whom it May Concern : I am writing you regarding a {$1300.00} collection fee attached to a tuition bill for XXXX XXXX XXXX XXXX XXXX XXXX for my son _______. My son attended the Vocational Independence Program ( VIP ), a special education transition program for young people with XXXXXXXX XXXX XXXX. He attended XX/XX/XXXX through XX/XX/XXXX, when the program was discontinued by XXXX during the pandemic shut down. 
The tuition for the program was being covered by a program of the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). At the end of each month the fiscal intermediary handling my son 's case, XXXX XXXX for XXXX XXXX ( XXXX ), would receive an invoice and pay the monthly bill. The collection agency wants to enforce an unjustifiable exorbitant collection fee and slap my XXXX son with a bad credit rating. 

I have a timeline of email contacts, and supporting documents, from the first contact I received from the bursar in XX/XX/XXXX, through this summer. I have been in constant contact with the collection agency and RCIL attempting to resolve if there was still money in the budget to cover the remaining balance, so that I would know if I needed to pay out of pocket and could settle this matter in a timely fashion. 

In a typical collegiate situation, the bill is in the students name with the assumption that student is developmentally capable of understanding responsibility and perhaps even the finances as they are attending a degree program. However, it should be noted that this aforementioned program was not a typical college program. It was a program for young people with XXXX, to teach them the necessary skills to be able to live as independently as possible and be productive members of the community. After finally getting word from the fiscal intermediary that they did not have any more funds in his budget to cover the final balance, I did pay off the XXXX tuition remaining in two increments of {$2500.00} in XXXX. My intention was to get this request email to them then, but my son then became sick with XXXX, with my daughter becoming ill just on the heels of his recovery. Students who attend these programs dont have bank accounts or credit cards and are just learning how to handle basic financial transactions. Therefore, I think it is justifiably unfair for my son to be penalized with the bad credit rating. I am contesting the collection fee, as they are well aware of the situation and request it be dropped and my sons name remain clear.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
For the past 3 months, I've had nothing but problems with making a payment. Most recently, I was informed that I entered a wrong account number ( not true ). When I tried to pay by phone, I was informed that because my bank had returned my last payment, I would have to use another bank account! I do not have another bank account. I am willing to work with the company to get this problem fixed once and for all, but it has been TOTALLY uncooperative. Rarely can I reach customer service by phone. I used to be able to pay online in just a few seconds. But I have recently spent hours trying to fix the problem. I don't know what else to do but to file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
I have never signed any documents or received any goods or services from this agency. I just started to receive letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 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:
n accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 

XXXX5 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 instruction.

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 2022-08-20 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: NY

Complaint narrative:
Hi, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NY, XXXX, XXXX XXXX, social security number XXXX. 

I have 3 accounts that I have been disputing for month about some charges off, they said if verified but they do not send me he information I am asking for to Verify those, there are lots of inaccuracies that have not been removed and at this point I need to get to you to please help me out to solve this issue and hace those accounts remove form my report. 

dates, amounts, lots of things are inaccurate and they just do not fix it and keep sending that it has been updated and whatever they have updated is has been updated wrong again. so I do not know what to do next. 

I am attaching one of the last disputes i mailed and also the last updated report they mailed to me with with no changes at all in any of the 3 credit bureaus. thanks

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 2022-08-20 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: NY

Complaint narrative:
Hi, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NY, XXXX, XXXX XXXX, social security number XXXX. 

I have 3 accounts that I have been disputing for month about some charges off, they said if verified but they do not send me he information I am asking for to Verify those, there are lots of inaccuracies that have not been removed and at this point I need to get to you to please help me out to solve this issue and hace those accounts remove form my report. 

dates, amounts, lots of things are inaccurate and they just do not fix it and keep sending that it has been updated and whatever they have updated is has been updated wrong again. so I do not know what to do next. 

I am attaching one of the last disputes i mailed and also the last updated report they mailed to me with with no changes at all in any of the 3 credit bureaus. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I began questioning this organization in XXXX of XXXX into XXXX and this supposed obligation has been influencing my credit. The obligation authority hasn't given verification that the supposed obligation has a place with me. This is the fourth time this obligation was sold in the wake of demonstrating that this supposed obligation isn't mine because of the organization 's deficient evidence and a duplicate of a printout bill isn't verification this is influencing my capacity to get another home. I don't have any idea why I'm being dealt with this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I began questioning this organization in XXXX of XXXX into XXXX and this supposed obligation has been influencing my credit. The obligation authority hasn't given verification that the supposed obligation has a place with me. This is the fourth time this obligation was sold in the wake of demonstrating that this supposed obligation isn't mine because of the organization 's deficient evidence and a duplicate of a printout bill isn't verification this is influencing my capacity to get another home. I don't have any idea why I'm being dealt with this way.

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 2022-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
Financial Credit Network has attached a debt to my credit report for the second time erroneously in defiant violation of the Fair Credit Reporting Act ( FCRA ). They were notified on two occasions of bankruptcy filing by my attorney. In XX/XX/XXXX my XXXX XXXX bankruptcy was XXXX in XXXX Ca XXXX bankruptcy court. XX/XX/XXXX I filed XXXX XXXX bankruptcy in XXXX XXXX. The company was notified by my attorney. 
Financial Credit Network refuses to remove the debt from my credit in clear violation of FCRA. The company has shady practices. They are reporting a debt of {$150.00} as an active collection account. I attached an image.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-20 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: FL

Complaint narrative:
There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file.

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