vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-17 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
M & T BankXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX ( XXXX ) re : account # XXXX XXXX ) I believe my escrow payment to be too high. My property taxes were greatly reduced to {$3900.00} and while I was given a refund check for the difference in the amount of {$1600.00}, I was expecting the refund check to be much larger given how much my property taxes were reduced. 
2 ) The refund check too 4 months after I gave them the new property tax assessment, far too long for this mortgage company to hold on to my money. Companies hold onto money for as long as they can. I also had to call in and request the money 3 or 4 times before a check was actually received.

3 ) My home payment was reduced from {$1700.00} to {$1600.00}. Today I received a very nasty phone call telling me that my payment of {$1600.00} was in suspense and that I owed an additional {$150.00} ( {$94.00} difference and late charge of {$56.00} ). They FORCED me to pay the difference of {$94.00}, but waived the late charge. 

I would like for someone to review my escrow account and see if this mortgage company is holding onto too much money. They also need to be investigated to see if they are taking too long for refund payments. XXXX XXXX XXXX called me today in a very mean and demeaning manner saying that I was delinquent on the payment, etc. etc. I'm sure he was trained to do that, but XXXX XXXX XXXX should have also been trained to see that I've always sent my payments on time and he should have also looked to see if there was a recent payment change. 

I believe that 1 ) I should be due additional escrow refund and 2 ) that my payment should be lower than what it is at {$1600.00}. 

Please let me know if there is any additional information that you require in order to investigate. 

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 2023-03-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Sa-Vit Enterprises, Inc.
State: NJ

Complaint narrative:
Sa-Vit filed multiple collections for the same account with credit reporting agencies. The issue revolves around one account with a Doctor. Related to a coding error on the Dr Office 's side. Sa-Vit contacted me only once regarding the account to which I responded. The Dr 's office was looking into it to correct. In violation of Federal law Sa-Vit filed numerous collections notices with the reporting agencies. 

Sa-Vit proposed a solution, which I accepted. 50 % pmt of the alleged amount due and they would remove the collections from allcredit agency reporting. They subsequentlyrescinded that offer. 

Sa-Vit is engaged in an unfair practice bullying and extorting collection by means of credit agency reporting. 

My credit has been severely damaged as a direct result of their unfair and illegal actions.

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 2023-03-17 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: PA

Complaint narrative:
Fruad Accounts Appearing on Credit Reports.

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 2023-03-17 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: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: NJ

Complaint narrative:
The collection company claims I owe {$760.00} to XXXX for damaged phones returned by mail. Tracking # 's attached. They were not damaged when I sent them. No one reached out to let me know they were received damaged and I owe money. If they were, please provide proof they were damaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: ND

Complaint narrative:
NOTICE OF LAW SUIT your company has been notified of unlawful credit reporting failure to remove all negative accounts will result in a {$100000.00} Law suit. 
LATE WARNING!!! 

Affidavit of immediate credit correction The following points of Reference and consideration Exclusively for all updated credit information Update all credit accounts according to 611 of the fair dept collection practice act The attached statement shows and concludes that all 3 credit bureau 's Are not accurately reporting information on the attached credit profile Update information accordingly to reflect Accurate information for all 3 credit companies inconjunction.

Point of action update credit report According to section 1681 of the fair declaration practice act permissible purpose law The attached credit profile and credit owner has notify all Noted creditors To cease reporting and has opted out of credit reporting For the attached mentioned accounts therefore all credit agencies must remove those accounts from reporting on the consumer credit report Failure to do so will lead to lawsuit and will be used as evidence in court. 
This is a official notice to ceased Credit reporting On the attached and mentioned accounts This is a official statement of reporting opt out according to permissible purpose law in the fair debt collection practice at. 

Point of reference Several credit accounts have been compromised due to fraud and unauthorized charges creditors and agencies have been notify to continue too report Fraudulent information is illegal and could also lead to a lawsuit see attached FTC Affidavit and Police report for more information. 
remove all late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: ND

Complaint narrative:
NOTICE OF LAW SUIT your company has been notified of unlawful credit reporting failure to remove all negative accounts will result in a {$100000.00} Law suit. 
LATE WARNING!!! 

Affidavit of immediate credit correction The following points of Reference and consideration Exclusively for all updated credit information Update all credit accounts according to 611 of the fair dept collection practice act The attached statement shows and concludes that all 3 credit bureau 's Are not accurately reporting information on the attached credit profile Update information accordingly to reflect Accurate information for all 3 credit companies inconjunction.

Point of action update credit report According to section 1681 of the fair declaration practice act permissible purpose law The attached credit profile and credit owner has notify all Noted creditors To cease reporting and has opted out of credit reporting For the attached mentioned accounts therefore all credit agencies must remove those accounts from reporting on the consumer credit report Failure to do so will lead to lawsuit and will be used as evidence in court. 
This is a official notice to ceased Credit reporting On the attached and mentioned accounts This is a official statement of reporting opt out according to permissible purpose law in the fair debt collection practice at. 

Point of reference Several credit accounts have been compromised due to fraud and unauthorized charges creditors and agencies have been notify to continue too report Fraudulent information is illegal and could also lead to a lawsuit see attached FTC Affidavit and Police report for more information. 
remove all late payment.

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 2023-03-17 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: Financial Accounts Service Team Inc.
State: GA

Complaint narrative:
The XXXX Credit Bureau is reporting inaccurate information in XXXX XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance Owed : {$790.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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:
I am writing to submit a complaint against Experian for noncompliance with the Fair Credit Reporting Act ( FCRA ). I recently received a response from Experian regarding the investigation of disputed items on my credit report. However, I believe that Experian has not fulfilled its legal obligations under the FCRA, as outlined in the attached letter. 

Despite my efforts to dispute inaccurate information on my credit report, Experian has failed to conduct a proper and reasonable investigation into these items, resulting in the disputed items remaining on my credit report. Furthermore, Experian has directed me to contact the credit grantors directly, which shifts the burden of verification onto me, in contravention of the FCRA. 

I demand that Experian take the necessary remedial actions to comply with the FCRA requirements, including the removal of all disputed items from my credit report and a new, comprehensive investigation into the disputed items. Additionally, I request that Experian notify all creditors and credit grantors who have received my credit report in the past six months of the corrected information. 

I have attached the relevant correspondence and documentation to support my complaint, and I request that the CFPB investigate this matter promptly. 

Thank you for your attention to this matter. 

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 explanation
Consumer complaint received 2023-03-17 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXX, XXXX XXXX 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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-03-17 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXX, XXXX XXXX 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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 explanation
Consumer complaint received 2023-03-17 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: ND

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 following creditors have violated my rights. 

Creditor : XXXXXXXX XXXX Account number : XXXX Amount : {$390.00} Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Account number : XXXX Amount : {$3200.00} Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Account number : XXXX Amount : {$260.00} Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Account number : XXXX Amount : {$3400.00} Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Account number : XXXX Amount : {$3900.00} Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Account number : XXXX Amount : {$520.00} XXXX Creditor : XXXX XXXX  Account number : XXXX Amount : {$330.00} Date : XX/XX/XXXX 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 2023-03-17 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: ND

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 following creditors have violated my rights. 

Creditor : XXXX XXXX  Account number : XXXX Amount : {$390.00} Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Account number : XXXX Amount : {$3200.00} Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Account number : XXXX Amount : {$260.00} Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Account number : XXXX Amount : {$3400.00} Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Account number : XXXX Amount : {$3900.00} Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Account number : XXXX Amount : {$520.00} XXXX Creditor : XXXX XXXX Account number : XXXX Amount : {$330.00} Date : XX/XX/XXXX 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 explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Employee of the bank accompanied by another employee has confirmed verbally that based on my account status my husband was never interested along with opening up about his son doing s marriage investigation about a girl 's marriage he liked and wondered if that me. Employee of the bank reference his son being in an organization which might want to check me out or I will have to pay because I am not from there but I would have a good life with his son. Employee of the bank due to knowing about an investigation and stalking experienced post the visit at the bank in XXXX Massachusetts and XXXX XXXX, constitutes unfair information trading and Privacy Policy violation. The employee no longer works there however the victim of that conversation and unemployed woman believe that employees son inflicted her chances to land employment at least in XXXX Employee engaged in forbidden conversation.

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 2023-03-17 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: PA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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