vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Im an XXXX person whom never had a change. I know I tried many times over the years to build credit only for it to say I have no credit history. For the more there are many inconsistencies on all my on all the credit bureaus not allowing me to ever establish or apply for any housing or even obtained a phone. When applying for housing or a phone or any kind of thing my credit is always looking to account it's low and I have been establishing my credit since my twenties I am now XXXX XXXX XXXX and I still do not have credit after XXXX hit my credit has not took another hit I feel I am being XXXX  discriminated against are are my children. As XXXX counterparts have a higher credit score and even XXXX  I have tried multiple programs of repairs and everything but it doesn't matter my credit score always says the same thing low no credit history which is not true and a lot of delinquencies which is not also true they continue to have a bunion see of credit inquiries on my credit account and will not removed all three bureaus I am in so I am also in the process of suing because they are blocking my opportunities I'm not able to apply for housing through Section 8 I'm not able to obtain housing first time home buyers I'm always told I have to wait two years to build my credit with XXXX XXXXhis is only due to XXXX XXXX  yes on my account I know I have a few account I even attended to pay the boss I even attempted to take them off and they have charged-off accounts on my account and will not remove them they are XXXX XXXX me and keeping me in a position where I'm not able to even purchase a home I always have to pay higher rates deposit down because everyone sees me as a high-risk and I'm so fed up with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 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: MA

Complaint narrative:
I mailed a letter asking the credit agency to verify the accuracy of the account and they sent a credit report back after the investigation with the same inaccurate information. The law state that if after any reinvestigation, under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) Promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation. This is willful disregard of the FCRA.

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 2022-07-16 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: FL

Complaint narrative:
Im an XXXX person whom never had a change. I know I tried many times over the years to build credit only for it to say I have no credit history. For the more there are many inconsistencies on all my on all the credit bureaus not allowing me to ever establish or apply for any housing or even obtained a phone. When applying for housing or a phone or any kind of thing my credit is always looking to account it's low and I have been establishing my credit since my twenties I am now XXXX XXXX XXXX and I still do not have credit after XXXX hit my credit has not took another hit I feel I am being XXXX XXXX against are are my children. As white counterparts have a higher credit score and even immigrants I have tried multiple programs of repairs and everything but it doesn't matter my credit score always says the same thing low no credit history which is not true and a lot of delinquencies which is not also true they continue to have a bunion see of credit inquiries on my credit account and will not removed all three bureaus I am in so I am also in the process of suing because they are blocking my opportunities I'm not able to apply for housing through XXXX XXXX I'm not able to obtain housing first time home buyers I'm always told I have to wait two years to build my credit with XXXX  this is only due to XXXX XXXX yes on my account I know I have a few account I even attended to pay the boss I even attempted to take them off and they have charged-off accounts on my account and will not remove them they are XXXX XXXX me and keeping me in a position where I'm not able to even purchase a home I always have to pay higher rates deposit down because everyone sees me as a high-risk and I'm so fed up with it.

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 2022-07-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Im an XXXX person whom never had a change. I know I tried many times over the years to build credit only for it to say I have no credit history. For the more there are many inconsistencies on all my on all the credit bureaus not allowing me to ever establish or apply for any housing or even obtained a phone. When applying for housing or a phone or any kind of thing my credit is always looking to account it's low and I have been establishing my credit since my twenties I am now XXXX XXXX XXXX and I still do not have credit after XXXX hit my credit has not took another hit I feel I am being XXXX XXXX against are are my children. As white counterparts have a higher credit score and even immigrants I have tried multiple programs of repairs and everything but it doesn't matter my credit score always says the same thing low no credit history which is not true and a lot of delinquencies which is not also true they continue to have a bunion see of credit inquiries on my credit account and will not removed all three bureaus I am in so I am also in the process of suing because they are blocking my opportunities I'm not able to apply for housing through XXXX XXXX I'm not able to obtain housing first time home buyers I'm always told I have to wait two years to build my credit with XXXX this is only due to XXXX XXXX yes on my account I know I have a few account I even attended to pay the boss I even attempted to take them off and they have charged-off accounts on my account and will not remove them they are XXXX XXXX  me and keeping me in a position where I'm not able to even purchase a home I always have to pay higher rates deposit down because everyone sees me as a high-risk and I'm so fed up with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient incorrectly made my monthly payment lower in my credit report than what is stated on my monthly bill. However I agreed to make payment arrangements which Navient agreed to but they still reported my payment late this decreasing my credit score with XXXX and other credit reporting bureaus XXXX points. They did not inform me that they would report this to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Starting XX/XX/XXXX, up to XX/XX/XXXX, I have been attempting to contact XXXX XXXX about two erroneous credit card debts which I am unaware of to try to get the issues rectified. Prior, I never received a method of verification from XXXX XXXX, giving me a chance to respond within the 30 day period, and the debt agency inserted both collections on my credit reports. I never experienced collections on my reports. 
I have attempted to call, XXXX XXXX representatives are not customer centric, I have sent certified mail with return receipts, proving to me letters were received and signed for ; but still no response. Although it is not my debt, I have even attempted on two separate occasions, sent first class mail settlement letters starting XX/XX/XXXX. As of today, XX/XX/XXXX XXXX XXXX still has not contacted me and the collection debt is a burden on me. I can't gain credit or be credible with these two derogatory marks on my reports. XXXX XXXX has not proven to me debt is mine, nor do the agency have signed legally binding contract for me, all I am getting is a computerized billed statement and a mark on my credit reports. There are so many violations from XXXX XXXX pursuant to state laws and FCRA laws and XXXX XXXX is not trying to resolve this issue. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I was a member of Experian 's complete ID program through XXXX. The program was for identity protection and to prevent fraud on my credit cards and to monitor my bank accounts credit cards phone number and other confidential information. Several months ago I decided that I didn't need this service anymore. As soon as I canceled I was continually getting spam messages from Experian, it started to feel like harassment because I was getting so many of these emails and there was no way to stop them. Then within 2 months my identity was stolen and credit card applications were done online with my personal information. I am very suspicious of experian and the possibility that they may have contributed somehow towards this leak of information. Also whomever stole my identity and is doing these fraudulent credit card applications, they somehow know that I have very specific credit card companies that I am currently using because those are the only ones that they applied for additional credit cards. So somehow they obtained access to my credit report likely via Experian. I just decided to reactivate my experian complete ID monitoring because I did not know what else to do. And I am still getting harassing emails from Experian even though I reactivated the service. Experian seems very suspicious and somehow guilty possibly contributing towards somebody obtaining my personal information that was held by experian.

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 2022-07-16 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. The law states that if after any reinvestigation, under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation. This is willful disregard of the FCRA.

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 2022-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX incorrectly made my monthly payment lower in my credit report than what is stated on my monthly bill. However I agreed to make payment arrangements which XXXX agreed to but they still reported my payment late this decreasing my credit score with Experien and other credit reporting bureaus XXXX points. They did not inform me that they would report this to the credit bureaus.

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 2022-07-16 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
After the investigation, on XX/XX/2022 i was told the two accounts mentioned are not listed on the credit report and all other accounts have been verified. This was false, I listed all accounts with inaccuracies being reported. Refer to the documents attached which shows proof of my complaint. I have not been given a fair and accurate investigation. 

This includes the date last active, the open date, two year payment history, last payment date, and the date last reported. I feel like my rights was violated and i didn't receive a fair investigation. This has cause me so much hardship and stress.

They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

I have not given these accounts written permission to furnish these accounts on my credit report. 

Please refer to accounts listed on the documents provided.

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 2022-07-16 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 — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 602 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may mot treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: PNC Bank N.A.
State: IN

Complaint narrative:
My PNC credit card bill/statement has not been arriving in the mail for at least 4 months now. I called in XXXX of XXXX and in XXXX too. I was told they had some sort of hold on it. I received a letter from them in mid XXXX and thought the problem was resolved but I never received my billing statement for XXXX and almost missed the payment. I called them again on XX/XX/2022 and was told the USPS was returning my bill to them. So the story has changed since I last spoke with them. I called the USPS and was asked if I was receiving all my other mail. I told them I was receiving all my other bills with no issue. The USPS said that PNC must be coding it wrong and that its odd since I verified my address with all 3 calls to PNC. One would assume this is a ploy to either get me to sign up to receive electronic billing, which will never happen, or give me some late fees. PNC has a history of soma shadiness in the past and it looks like they havent changed much. Pretty sad when you cant get mailing a bill correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
CAP ONE NA Inquiry date XX/XX/XXXX Removal date XXXX XXXX CAPITALONE Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX US SM BUS ADMIN ODA Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX US SM BUS ADMIN ODA Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX I WENT TO APPLY FOR A CAR LOAN AT A DEALERSHIP WHEN THEY CHECKED MY CREDIT THEY STATED I HAD OVER 10 INQUIRIES SO I AM FILING A COMPLAINT I BEEN A VICTIM TO IDENTITY THEF AND THAT WAS A ISSUE FOR ME GETTING THE CAR I WANTED FOR A LOW PRICE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
To The Consumer Protection Bureau. I requested an audit of my mortgage from my lender previously, as I believe my principal & total amount amount owed should be lower than it is currently. Also, my escrow balance is extremely high versus the totals for my expenses. My homeowners insurance. is {$1300.00} & my XXXX. Property Tax annual bill is only XXXX, yet, my current total for escrow is {$4500.00} paid thru XXXX & will possibly go as high as {$8300.00}. My request is they be required to provide me an audit trail regarding my balance & principal and also identify the cause of such a high yearly escrow. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: KY

Complaint narrative:
On XX/XX/2022 my checking account was hacked by a man that represented himself as being a XXXX support representative, I was having problems logging in to my XXXX  account, a qr code come up in the screen as I was logging in, the moment I scanned the code with my phone I received a phone call from the man described above, he asked me to log on to my XXXX account and he could help me log in, I did exactly that, it was at that moment he literally took over my phone, had access to my XXXX account that was also linked to my XXXX account thru my US bank , he did 3 transactions back to back totally XXXX, he used my name however he changed the phone number to his, I immediately called US Bank and reported it as fraud and closed out my checking account, after 3 wks US Bank denied my fraud complaint because they said I authorized it and it was my loss. I have requested the paperwork they used to make a determination of denial, I have yet to receive that, and the merchant letters that was supposed to go out to 2 of my debtors explaining why their debts was returned, after 6 wks they still have not received it and each time I call the fraud department I am given the go around and told the letters have been sent, I contact my debtors personally and each of them have told me they have not received them. My bank refuses to give me the information I need to fight this, they also continue to tell me this was my fault and there was nothing they can do because XXXX is automatically sent and because the hacker used my name as the recipient it is my loss. I thought that we was protected under certain laws if this happened? Apparently not, I have also filed a complaint with the XXXX XXXX XXXX and haven't heard from them either. This XXXX XXXX  up my life and took XXXX from me and I am being told I can't do anything about it, can you please help and give me some guidance?

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 monetary relief
Consumer complaint received 2022-07-16 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: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
It was XX/XX/2022 a hard inquiry on Amazon and i didnt do it and now my credit score is low as 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 2022-07-16 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
After the investigation, on XX/XX/2022 i was told the two accounts mentioned are not listed on the credit report and all other accounts have been verified. This was false, I listed all accounts with inaccuracies being reported. Refer to the documents attached which shows proof of my complaint. I have not been given a fair and accurate investigation. 

This includes the date last active, the open date, two year payment history, last payment date, and the date last reported. I feel like my rights was violated and i didn't receive a fair investigation. This has cause me so much hardship and stress.

They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

I have not given these accounts written permission to furnish these accounts on my credit report.

Please refer to accounts listed on the documents provided.

Company response to consumer: Closed with explanation