vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-16 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: TX

Complaint narrative:
I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ).

Today on 07/16/2021, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX  is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion continues to report items on my credit profile that are against the FCRA Title! 5 1681b2 which states that written consent has to be given 2. medical information is an exclusion as it can not and should not be reported. i asked for a copy of a wet ink signature to no avail. anything outside of a wet ink signature is counterfeit, and violations of the FCRA 1. XXXX XXXX 2. XXXX  3. 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 2021-07-16 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: NY

Complaint narrative:
According to the FAIR CREDIT REPORTING ACT credit reporting agencies have WITHIN 30 days to investigate unverified and inaccurate information. If its not done within that time frame credit bureau must delete all disputed items. On XXXX 2021 I XXXX XXXX submitted a dispute letter to EQUIFAX ( certified mail receipt ) disputing several inaccurate items on my profile. Return receipt shows EQUIFAX received my letter on XX/XX/2021. Today is XXXX, XXXX 2021 and I have heard nothing back from EQUIFAX which puts them in direct violation of the FAIR CREDIT REPORTING ACT being that they are passed the 30 day deadline. This complaint is being submitted to the CFPB to help ensure EQUIFAX follow the law and DELETE all inaccurate and unverified information from my credit profile. Thank you for your time and assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MI

Complaint narrative:
I have been attempting to resolve denial of payments approved for the PSLF program for years. I previously was paying my loans through XXXX, then they were transferred to fedloan servicing. I have paid my payments on time in full, and because the tranfer, fedloan is denying qualifying payments due to computer or human error on their end. Please see email from fed loan. They state on loan sequence 6, one cent did not apply to payment XX/XX/2015 during tranfer and was applied to the following month. The other loans were approved for that same month. The rules for payment to be applied to XXXX is I must pay in full on time. I did this, and because fedloans error I am being denied. I have attached payments from XXXX showing I paid the full amount in both months. I do not have control over how the payments are applied to loan sequencing. I have additional months they are denying that they will not review or respond about.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-16 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: NJ

Complaint narrative:
I noticed a few collections and hard inquiries on my credit report I do not recognize

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 2021-07-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bull City Financial Solutions, Inc
State: CA

Complaint narrative:
Bull City Financial has damaged me being NEGLIGENT AND UNFAIR. Your company has committed the following damages {$10000.00} : failure to get mortgage, paying higher rates on loans, failure to secure funding, XXXX hardship and suffering through loss of XXXX  and XXXX. 

I was told by Bull City Financial that the item would be deleted if I paid. I did and the account is still being reported. 

Account information below : Account number : XXXX Date Opened : XX/XX/2017 Original balance : {$160.00}. 

I have made my research and your company is committing multiple violations to the CCRA. Please read them carefully. I need you to take this matter seriously : Failing to honor the deletion of the account after payment was made in full. Account has been re-aged. 
Negligence. 
Unfair business practices. 

have suffered several financial and emotional damages due to this account. I demand to get the account removed from my records. I give you a deadline of 30 days to delete the account from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
This is a continuation of case # XXXX, which should have never been closed. 

LoanCare , LLC did call me in XX/XX/2021 as stated on the previous case and they did say they would send me my paperwork. They sent another incorrect package. 

Since then I have had several conversations with them, all customer service agents and their loss mitigation department have stated that my corrected documents are in the mail. 

They stated that my new payment would be due on XX/XX/2021 and the paper work would be sent out in a couple days. Well, 2 months and several phone calls and promises later, I still do not have the paperwork to remove my account from forebearance. 

They are deliberatley stalling so they can collect more money from the government funding during the Covid pandemic and not having any care that they are eating away at my equity that I had in my home by all thier delays. 

I want them fined and I want to be financially compesated for the delays that have decreased the amount of equity in my home. I want to be compensated for the over 40 hours of time I have spent on the phone with them trying to resolve this issue with them and their incompetent loss mitigation department. 

I HAVE BEEN ASKING SINCE XX/XX/2021 TO HAVE MY HOME REMOVED FROM FOREBEARANCE. THEY MUST BE VIOLATING FEDERAL REGULATIONS IN COLLECTING MONEY FOR MY LOAN FOR 6 MONTHS AFTER I ASKED THEM TO REMOVE THE FOREBEARANCE.

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 2021-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hello I have called all three credit bureaus twice to request they remove the fraud alert from my credit report. I was told by each bureau that it would be lifted within 24-48 hours and we are on past 45 days. Im asking for you all to help me with getting these fraud alerts lifted off my credit file. I purchased a home about 4 months ago and this is really holding me up from making the needed modifications to my new home.

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 2021-07-16 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: EQUIFAX, INC.
State: AL

Complaint narrative:
In XXXX and XXXX of 2021 I filed a dispute with XXXX, Equifax and XXXX  credit bureau about the inaccurate reporting of accounts on my credit profile first premier and united auto!. In these 2 months I have not received a notice in over 45 days and show that My dispute is even being investigated. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today which is a non-compliance of the FCRA. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I had 2 card cards from Citibank. XXXX XXXX and advantage card. I had XXXX XXXX  for 29 years. It is my first card and it is very special to me. I never had a problem and my balance is XXXX  and I pay always on time. The second card is a new card I applied for it because XXXX XXXX had an offer with citibank that If applied for the card I will get XXXX Air miles. The second card had also XXXX balance. When I called citibank they told me that we closed your account because you applied for many credit cards in a short period. I did apply and I had my own reasons ( example : I applied for XXXX credit card because it has the same offer with XXXX XXXX ). but if all my credit cards and department store cards which are around 28 cards has XXXX balance. My available credit or amount to spend is over {$110000.00} and my credit score is over XXXX then I do not see a reason to close my Account under the excuse that I became a risky person. For a loyal customer for 29 years I deserve at least a phone call before closing the account. Or they could reduced my credit limit to lower amount but closing them in this way it 8s totally not respectful. As a result of citibank action my XXXX limit best buy card was closed. This one has a XXXX balance too.

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 2021-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hello I have called all three credit bureaus twice to request they remove the fraud alert from my credit report. I was told by each bureau that it would be lifted within 24-48 hours and we are on past 45 days. Im asking for you all to help me with getting these fraud alerts lifted off my credit file. I purchased a home about 4 months ago and this is really holding me up from making the needed modifications to my new home.

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 2021-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello I have called all three credit bureaus twice to request they remove the fraud alert from my credit report. I was told by each bureau that it would be lifted within 24-48 hours and we are on past 45 days. Im asking for you all to help me with getting these fraud alerts lifted off my credit file. I purchased a home about 4 months ago and this is really holding me up from making the needed modifications to my new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: WI

Complaint narrative:
I have tried since XXXX to get the credit bureau to remove unauthorized inquiries made on my account. They refuse to remove inquiries, even after I've cited FCRA section 605 ( b ) that mandates they remove unauthorized inquiries. I've called, sent letters and still as of today XX/XX/2021 they refuse to remove unauthorized inquiries even though they have a fraud alert on my account. They are in violation of the FCRA. I've called every single creditor listed for inquiries and non of them have an application on file from me. I've gone to police and they state this is credit bureau who needs to fix, but they refuse. I'm well within my rights to sue at this point but just want it resolved

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 2021-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Acra Intermediate Holdings, LLC
State: CA

Complaint narrative:
I had a home mortgage with Citadel Servicing corporation and I refinanced by using another mortgage company last XXXX. The new mortgage company has paid off the debt on XX/XX/XXXX. But Citadel deducted the monthly payment {$2600.00} from my bank account on XX/XX/XXXX. That means Citadel changed another month after the loan was paid off. The refund check of the escrow account didn't reflect the amount of the deduction. I called Citadel several times, they insisted the refund amount was right. 

However, I received an email from Citadel on XX/XX/XXXX. It said " During a recent audit it was determined that some additional funds from the Escrow account were still owed to you and we want to confirm an appropriate mailing address to send these funds. '' They asked me to call their office to confirm my current address. I called and provided the address and contact information. However, I still didn't receive the check. I called back several times, they just said it is on the way and it's delayed. Four months have passed. There is still no check.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-16 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: NV

Complaint narrative:
I am writing this due to non-compliance with the CRA XXXX XXXX Equifax They have failed to remove information that was affiliated with personal details that were challenged in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. 

I have asked for validation as well as the fraudulent personal information be removed from my credit and yet it has remained and in attempt to update their information they have done so inaccurately XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I do not owe I.C. System monies, nor have I ever had an account with this company. I have sent dispute letters on XX/XX/2021 and XX/XX/2021. As of today, I have not received any documents referencing I have an account with them.

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 2021-07-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Services Group, Inc. d/b/a ConServe
State: CA

Complaint narrative:
On XX/XX/XXXX I received a letter from the collection agency that stated I have 30 days to validate debt. On XX/XX/XXXX I sent out a letter stating for them to validate my debt and it was sent via certified mail. I received no response and noticed the debt was reported to my credit. My letter was ignored and so were my rights. I sent a follow up letter stating this is my second attempt and yet no response. The collection agency is ignoring my letters and violated my rights to provide proof that the debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: FL

Complaint narrative:
You are my last chance because I want to have justice because I have found account that I do not recognize. I can not understand why I have fraud account in my report. I am used by someone and Its Identity theft issues I am sure. SO I am begging you to help me and delete this account because its killing my score.

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 2021-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I wrote the company letting them know to verify a public record that is on my credit report. They claim to have verified the information with the provider of the information, which they listed on my credit report as the contact if I had any issues. The provider of Information is the United States Bankruptcy Court. I contacted them with my concerns and they said noone has contacted them to challenge my records made public by the court. They said whatever information the company has, did not come from them. They did say if any information is incorrect or challenged, that an action should be filed so the information can be evaluated. They said that has not happen and they sent me a letter stating that. I contacted equifax and the agent would not provide me with the method of verification and I am entitled to it according to FCRA laws. I know that my report is incomplete with equifax reporting that the court is the provider of information. Whoever is providing the information is not on my report so that I can challenge them, also the provider of information is not the original provider which is against the law, due to them providing conflicting information and causing a consumer not being able to have equal credit opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Background : Recently, I applied for 2 credit applications 1 ) Refinance with XXXX for my home loan 2 ) New credit card with XXXXXXXX XXXX Both of these lenders use Experian credit report to pull my credit score and check credit file. 

Issue : When XXXX and XXXXXXXX XXXX  pulled my credit report from Experian, both of them receive a message stating that my credit file is frozen. My credit file is unfrozen and I've verified this multiple times with Experian. 
1st call with Experian on XXXX XXXX with agent XXXX. Case number : XXXX XXXX mentioned that something was wrong with my file and it'd take 3-5 business days to fix my credit report. I don't know what was wrong regd my credit file. XXXX did not mention that. 

I waited 5 business days till XXXX XXXX, called Experian and verified that my credit file is not frozen ( case number : XXXX ) and contacted XXXX and XXXX to run my credit report again. Both of the confirmed that they still get the same message that my credit file is frozen. 
So, I call Experian again and another agent XXXX indicated that my credit file is unfrozen but not willing to look into the matter why lenders are unable to pull my report. 

As a result, I can not proceed with my refinance application and credit card application due to Experian refusing to fix the problem at their end. 

Experian Phone numbers I contacted : 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