vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-15 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: CA

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think the credit bureaus have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 


XXXX XXXX XXXX Balance : {$29000.00} ; XXXX XXXX Balance : {$36000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXXXXXX Balance : {$21000.00} ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-09-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO

Complaint narrative:
On XX/XX/XXXX, I received a notice stating that my escrow account was charged {$2200.00} for hazard insurance. I did not authorize this and was unaware of any lapse in my homeowners insurance. I immediately phoned both my mortgage company, and then my insurance company to reinstate my insurance coverage. I was assured that I would be reimbursed any funds outside of the lapse from XX/XX/XXXX through XX/XX/XXXX. Since then, I have been back-and-forth through a secure messaging portal, email, usps and phone countless times resubmitting all proof of insurance. My mortgage company is simply exhausting me to no end, and taking no action. I finally received word on XX/XX/XXXX, that they have reimbursed the full amount to my escrow account on XX/XX/XXXX. However I see no evidence of this in my recent activity. Their recent escrow assessment has not reduced my mortgage payments. You see, this force placed insurance has caused a deficit in my escrow account. This has caused my mortgage to be increased by {$250.00} since XX/XX/XXXX to cover the deficit. So essentially, I am paying for this high cost hazard insurance twice. When in fact I have my own insurance which I purchased on XX/XX/XXXX as I originally stated. Please help me resolve this matter. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how toremove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION orhttps : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required toremove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in theblocking of the erroneous information which is being posted to my report. Here are the list of items which donot belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/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 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

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 2022-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am XXXX XXXX. I am requesting a description of the procedure used to verify the name and address of the original creditor attested by a sworn statement by a CEO and/or Vice President of SYNCHRONY under the penalty of perjury. 

You, CEO and/or VP, have 30 days from receipt of this letter to provide this sworn statement.

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 2022-09-15 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: NC

Complaint narrative:
Im contacted XXXX  XXXX XXXX XXXX. In regards to the report on my credit report, 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt, this company has contacted me several times via phone & mail another violation of my rights, this company has violated my rights, I do not owe this creditor listed any money,

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 2022-09-15 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: NC

Complaint narrative:
Im contacted XXXX XXXX XXXX XXXX In regards to the report on my credit report, 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt, this company has contacted me several times via phone & mail another violation of my rights, this company has violated my rights, I do not owe this creditor listed any money,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-15 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: T.S. Holdings
State: NC

Complaint narrative:
Im contacted XXXX XXXX XXXX XXXX. In regards to the report on my credit report, 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt, this company has contacted me several times via phone & mail another violation of my rights, this company has violated my rights, I do not owe this creditor listed any money,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: CITIBANK, N.A.
State: IN

Complaint narrative:
After Checking my XXXX credit report online, I checked under my closed accounts to look at potentially negative items on my credit report. I have a closed account with Citibank and said account was included in my bankruptcy in XXXX. To help locate the Citibank account, the highest balance that I ever carried on that account was {$4500.00}. After reviewing the closed account on my XXXX credit file, and looking at the payment history of said account, I realized that there was a " N '' notation or " negative '' listed under XX/XX/XXXX payment history. This account was closed years ago. In addition, XXXX states that this account will remain on record until XX/XX/XXXX. However, XXXX will remove the account from my credit report in XX/XX/XXXX. The information that XXXX and Citibank have on my credit report is not correct. I filed a dispute with XXXX to resolve this issue.

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 2022-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: OH

Complaint narrative:
XXXX XXXX has not applied payments to my account that was made by the save the dream HAF program. Causing my account to be deliquent. The payments were made on XX/XX/25 via electronic check Batch # XXXX in the amount of {$6700.00}. They have had more than enough time to apply the payments but fail to do so. Instead they are reporting deliquent status to the credit bureaus. I have spoken to Save the dream and they said the status they show is paid and these are government funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: CA

Complaint narrative:
I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how toremove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION orhttps : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required toremove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in theblocking of the erroneous information which is being posted to my report. Here are the list of items which donot belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/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 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

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 2022-09-15 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: CA

Complaint narrative:
I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how toremove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION orhttps : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required toremove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in theblocking of the erroneous information which is being posted to my report. Here are the list of items which donot belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
There is a billing error on my capital one statements. This notice is Pursuant to 15 USC 1666. Capital one is practicing unfair credit card practices which has caused multiple billing errors. My full correspondence in regards to the billing errors are in the documents attached. This obligation was already paid for when capital one got my credit card. Pursuant to 15 usc 1602 ( l ) the term credit card means any card, plate coupon book, or other credit device existing for the purpose of obtaining money, property, labor or services on credit. My credit card was used to obtain credit so I in fact extended the credit so this account was already paid. Pursuant to 18 USC 8 all debts public and private are the obligation of the United States so Capital One is in fact furnishing deceptive forms claiming that I owe and alleged debt when I do not. Pursuant to 15 USC 1602 ( k ) capital one failed to give me adequate notice that was supposed to clearly and conspicuously disclose the pertinent facts of the consumer credit transaction that took place with my credit card. Which is a direct violation capital one did not provide adequate disclosure in which I understood its meaning. Which resulted in me not benefiting in this transaction which has been unauthorized use. Capital One is in violation of 15 USC 1666b as a creditor may not treat any payment as late and there are multiple payments that are on my consumer report that is late and I have noticed Capital one of this error. I do not consent to capital one taking any adverse action to my accounts, closing my accounts, decreasing my credit limit or anything that will negatively affect me providing for myself and my son. Please check attached letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AZ

Complaint narrative:
I had my identity stolen back in 2018. A phone account was opened through XXXX in I believe in XXXX of 2018. I have reached out to XXXX numerous of times before they placed the account in Collection. Every debt agency they sell this account to removes it because I have explained to them that this is not my account. They have sold this debt to over 5 different debt collectors! They are refusing to move it even after I filed an Identity Theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX Account number # 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 an account without my written instructions

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 2022-09-15 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:
XXXX Account number # 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # 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

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 2022-09-15 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: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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:
As I am a U.S. Citizen, a natural person and I am a human being and I have a right under US 15 1681. 

Equifax is governed by US 15 1681 and the violated my rights numerous times. I demand that the accounts listed below be removed because According to US 15 1681, I have a right to privacy and I did not give Equifax written permission to furnish these accounts : 1. XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Account # : XXXX 2. XXXXXXXX XXXX XXXXXXXX XXXX  - Account # XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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 — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
I do not agree or believe this companies resolution to my dispute was fair. I clearly explained how this company failed to notify me of my online access to make payments being removed once my account was closed. I also explained I was provided false information earlier this year by a customer relations manager that I would receive a letter in the mail to help me reinstate my ability to pay online. I was instead sent just a statement and to this day do not have the ability to pay online. This repeated failure to assist me, and false information directly lead to me missing payments. In the official response from the office of the president from this company, the document even states you can make payment online, which was extremely frustrating for me, as this is not true. As I stated in my first complaint, this is the only company I have struggled to make payment with due to the lack of assistance and false information.

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 2022-09-15 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S. Code 1605 - Determination of finance charge

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