vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-03 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:
I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. Accounts Reason This collection is not my account. XXXX XXXXXXXX XXXX XXXX XXXX. I never missed a payment on this account, please correct. XXXX XXXX XXXX XXXX XXXX. This collection is not on my account NXXXX XXXX XXXX XXXX. Understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge. Thank you for your time and attention to this matter. I look forward to hearing from you soon.

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 2022-02-03 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: TX

Complaint narrative:
I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. Accounts Reason This collection is not my account. XXXX XXXX XXXX XXXXXXXX XXXX. I never missed a payment on this account, please correct. XXXX XXXX XXXX XXXX XXXX. This collection is not on my account XXXX XXXX  XXXX  XXXX. Understand that failure to investigate these accounts within a period of XXXX days will result in non-verification which requires that the above accounts be immediately removed from my credit file. I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge. Thank you for your time and attention to this matter. I look forward to hearing from you soon.

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 2022-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX )/ XXXX / {$1000.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX  )/ XXXX / {$110.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2022-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I am a victim of identity theft. A credit card accounts has been opened using my name and SSN When I was overseas for the last 13 years. 
When I discovered the fraud I contracted the bank to stop the account and filed an FTC and police report. 
When I asked the bank to send me no responsibility letter because I did not open the account and the charges on this account happened when I was abroad the bank is refusing to do so. 
Again I did not open this account and did not give any authority to any one to use my name to do this fraud. 
Information on this account like phone number and email address doesn't belong to me

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 2022-02-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Big Picture Loans, LLC
State: VA

Complaint narrative:
on XX/XX/2021 and XX/XX/2021, Big Picture Loans, limited ran my credit report without my consent. They allowed an individual, other than myself, without verification, to run my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Atlanticus Services Corporation
State: VA

Complaint narrative:
On XX/XX/2021 and XX/XX/2021 Fortiva ( Fortiva XXXX ) ran my credit report without my consent. They allowed an individual, other than myself, without verification, to run my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: NV

Complaint narrative:
I enrolled in a Debt settlement Program Called XXXX XXXX XXXX located in XXXX California and they Transfer all the Obligation to Global Client Solution LLC located in Oklahoma the Global Client solution are the one who process the payments and charges fee. the Global Client solution has contracted the XXXX XXXX XXXX to settle the debt. but they failed to settle 8 Credit card they only settle 4 of it. out of 36 months contract which I paid {$350.00} monthly started to be withdrawn from my bank since XXXX XXXX, I completed the payment of 36 months which I fulfilled the obligation on XXXX XXXX because of their upfront fees and excessive fee my funds was shorted so they can't settle my 4 other debts I paid a total amount of {$12000.00} which came from my husband 's XXXX payment from His Military service now they want me to continue to pay so they can settle the 4 other debt which is out of the agreed contract they took almost {$6000.00} just a fee now I don't know what to do I don't have Job to pay them which they demand an extension they are the one who failed to settle the debt in timely manner my job is to fulfill a contract to pay them I can't give them any more money out of my pocket so they can settle the rest of my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX / XXXX / {$5000.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the XXXX-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: Conduent Incorporated
State: OK

Complaint narrative:
On XXXX XXXX dated XXXX, I received a notice via USPS dated XX/XX/2021 that a I had an issue with an electronic transfer which additionally indicated there was an error requiring me to respond to the notice. This notice also indicated that there were several other issues. 

I received s similar notice in late XXXX which I made a response via USPS that I had no affiliation nor type of credit identified in the notice. I attempted to contact via phone number provided ; proceeding further required me to input Names, SSN and Date of Birth. An attempt to contact via website required me to establish an account. Both methods have the appearance of some institution/individual ( s  ) attempting to collect personal information that may be inappropriately used on behalf of the consumer. That response went unanswered. 

I have do not do nor have this type of credit! 

Thank you for the courtesy of your immediate reply!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: NY

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
XXXX XXXX charged {$59.00} and sent to debt collection Amsher for not returning the modem equipment. I returned the equipment and I have a receipt to prove it. 
I am complaining and asking compensation from XXXX XXXX for damaging my credit. 
My phone number is XXXX Service address XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MO

Complaint narrative:
I accidentally paid my property taxes and Newrez Mortgage refuses to refund my escrow account. I was not able to get the money back from the Government. They said once Newrez paid my property taxes they would refund Newrez and Newrez would refund my escrow account. They claim they have refunded me, but a lesser amount of money then I paid. They still owe me money. They claim they are paying my insurance, but I am paying insurance from XXXX. I paid {$3200.00} but they only refunded me {$2200.00}. They still owe me {$1000.00}. XXXX said that my insurance has not gone up. There is no reason we can find for the money missing from my escrow account. I have called many time and submitted all the documentation via their website, but I unable to resolve this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Upstart Holdings, Inc.
State: VA

Complaint narrative:
On XX/XX/2021 Upstart XXXX ran my credit report without my consent. They allowed an individual, other than myself, without verification, to run my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: FL

Complaint narrative:
I was checking my credit report and these accounts still on. 
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. 
I m disappointed! I dont know how to delete it from my name

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: MARINER FINANCE, LLC
State: VA

Complaint narrative:
on XX/XX/2021, Mariner Finance, ran my credit report without my consent. They allowed an individual, other than myself, without verification, to run my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Checking account closed with no prior warning. Bank has my address, phone number. I received my monthly bank statements. No attempt to contact me concerning issues with the account. Bank claims that identification was never verified. 
Took almost 2 months to receive my money back from the bank. I was forced to visit a branch to finally get a resolution. Now bank has the audacity to send an IRS Form 1099-INT for {$150.00} in interest. This interest was received as bonus for opening a new checking account. But the bonus was reversed and was not given.

Called Huntington but just get bounced around from office to office.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX  XXXX / XXXX / {$1600.00} XXXX XXXX XXXX / XXXX / {$15000.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: GA

Complaint narrative:
On the XXXX of XXXX I went to a pnc branch located at XXXX XXXX XXXX XXXX XXXX ga XXXX the atm ask me for a receipt and I said yes so I press deposit then after I deposited my money of {$1600.00} it was counting my money then the atm said error has occurred please contact financial institution so I enter my card again and checked my transaction and my money was not there so I called pnc they said its go take about 10 business days a couple days later they told my claim has been denied because the amount. Of money in the atm so i was thinking because on XXXX it says XXXX has been having alot of fraudulent checks going around and goin to pnc so that was a lie they told me and I contacted that branch I went to and ask have a technician came out to check the atm and I was told no so they lying to me about my money and they dont wan na give my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: Self Financial Inc.
State: MA

Complaint narrative:
IXXXX 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 
REPORT INFORMATION Type of Incident : Identify theft Following are the types of theft that I was a victim of : X Other Date of XX/XX/XXXX Time of Incident : XXXX Incident : How did you become aware of the incident? I just received an email saying that I owe money to XXXX XXXX  and at the time this taking place I was XXXX and wasnt staying at the address so I know that it was identity theft Location of Incident : XXXX MA Briefly Describe the Incident : I was XXXX  at the time of the incident so I dont really know what time it accrued but it says XX/XX/XXXX Information regarding Thief ( please provide any information that you may have about the alleged thief ) : N/a Please list all items that were lost or stolen, using as many unique identifying characteristics as possible. 
1. Identity ADDITIONAL INFORMATION Please provide any additional details that may be beneficial : I will like to get the account disputed off my credit This Police Report Worksheet is executed and agreed to by : XXXX XXXX XXXX XX/XX/XXXX at XXXXXXXX XXXX Recorded at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
National Credit Systems , Inc. of N.C. 
XXXX XXXX XXXX System XXXX XXXX XXXX, XXXX XXXX XXXX NC XXXX To : The Office of Registered Agent for National Credit Systems , Inc. of N.C. 

From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX XXXX will forthwith and return transmit your written evidences of your delegated authority to represent '' that you and XXXX XXXX XXXXXXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity theft. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

National Credit Systems , Inc. of N.C., has invaded my individual privacy under 15 U.SA 1692 A.

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair Practices By : XXXX XXXX XXXX

Company response to consumer: Closed with explanation