vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: I.C. System, Inc.
State: WV

Complaint narrative:
There is a collection on my credit report, the collection agency is I C system for the amount of {$160.00}. It says the supposed account was opened on XX/XX/2020 and it says the original creditor is XXXX XXXX XXXX. I have disputed this claim, but to no avail. Pursuant to 15 USC -1681b I am requesting the form and/or proof of permissible purpose as to how and why any of the the following persons : I C system, XXXX XXXX XXXX, and XXXX, are able to make derogatory reporting to my credit without my written consent? This is a clear violation of the US code and I consider it as identity thief. These private companies posing as fake " bureaus '' have been tricking consumers for years and profiting off their lack of knowledge and the misinformation we have been led to believe. I demand this collection be removed from my credit post haste. Not only is this a violation of the US code, furthermore since I never entered into any agreement or contract with I C system there is no debt or obligation to pay.

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 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.

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 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.

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 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Ive been trying to get approved for things that require my credit being pulled and the status of this collection is dictating key factors in the progression of this. The information on file is incorrect such as address and other things.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I was quoted and I accepted an online policy and monthly payment of {$69.00}. Which was paid in XXXX, XXXX, XXXX and XXXX of XXXX. 
XXXX increased my payment to XXXX in XXXX which I didnt find out until later. I signed a form twice and told they never received. I already paid XXXX and I cancelled my policy because I did not agree with the increase. My policy was good until XX/XX/XXXX. I purchased new insurance with XXXX XXXX which I hold today. I purchased new policy on XX/XX/XXXX. Copy attached. I never agreed to XXXX policy a month. I agreed to 6 month policy XXXX. I do not owe this bill. Never heard from XXXX, until I received a collection notice.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
My mortgage was being serviced by Roundpoint Mortgage. 
-On XX/XX/XXXX I went to settlement on my home and Roundpoint was paid in full. 
-On XX/XX/XXXX they mailed me a lien release and satisfaction of the loan which I received. This was mailed to the home I sold in Maryland but was forwarded to me on XX/XX/XXXX as I changed my forwarding address with USPS. 
-On XX/XX/XXXX, according to the loan website, they mailed my escrow refund check which is {$3400.00}. This was also mailed to the home I sold and I awaited that to be forwarded. Again, it was mailed 8 days after the satisfaction letter so I did expect it the following week. 
-On or around XX/XX/XXXX I called Roundpoint to let them know I had not received the check. They said that I needed to wait 30 days before they would stop payment on the check. They did change my address at that time in their system. 
-On XX/XX/XXXX I called Roundpoint again and they said they stopped payment on the check and would immediately re-issue the new escrow refund to the new address on file. 
-On XX/XX/XXXX I received my 1098 from Roundpoint that was mailed out on XX/XX/XXXX according to their website, to my new address. 
-On or around XX/XX/XXXX I got on my Roundpoint loan website but saw no changes to the account and no check issued. I immediately called Roundpoint again as I still have not received the escrow refund check. They confirmed there was a stop payment on the original escrow refund check mailed XX/XX/XXXX but a new check had NOT been issued. A REPLACEMENT CHECK HAD NOT BEEN ISSUED! They stated they would issue it right away and gave me a check number. 
-On XX/XX/XXXX I returned to the Roundpoint loan website and still do NOT see that an escrow refund check has been issued. 
It has now been XXXX days since I went to settlement on my house and I do not have my escrow refund of {$3400.00}. There is no date or information on my Roundpoint loan website that indicates a new check was issued either. They are playing some sort of game with my money and I need help!!!!

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 2024-01-25 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
I XXXX XXXX, Consumer and Natural person who its a victim of identify theft. XXXX, Experian, and XXXX had used and furnished my consumer report without my authorization consent or written instruction. My information was share to nonpublic personal information without consent and also used that information to furnish. Congress makes it clear that the consumer has a right to privacy which Experian, XXXX and XXXX has violated my federal protected right to privacy by failing to meet the needs of congress by ensuring that they exercise their responsibility with respect to the confidentially of my personal information. The Fair credit Reporting Act was intended to insured that consumer reporting agencies exercise their grave responsibility with fairness, and respect to the consumer right to privacy. 
I enclosed all documents social, ID and 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 2024-01-25 00:00:00
Product: Credit reporting 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: NH

Complaint narrative:
EXPERIAN is obligated by the FCRA to report accurate information. consumer has called into EXPERIAN and advised ALL inquiries reported was fraud. Said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer. consumer is now requesting EXPERIAN to provide the documentation used to determine inquiry was indeed authorized by the consumer. EXPERIAN has 15 days to provide consumer with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is NOT asking for e-oscar report. if EXPERIAN does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. 
EXPERIAN is securitizing consumers data yet refuse to provide consumers a copy of their CONSUMER FILE NOT CONSUMER REPORT.

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 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Once again experian closed this complaint without addressing the issue which is Experian NOW has stolen almost XXXX months of on time never late payments to XXXX and refuse to give them back

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 2024-01-25 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act Auto Loan Account starting in XXXX has violated my rights 15 U.S.C. 1681 Section 602 A. States i have the right to privacy. 

15 U.S.C. 1581 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction

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 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act Auto Loan Account starting in XXXX has violated my rights 15 U.S.C. 1681 Section 602 A. States i have the right to privacy. 

15 U.S.C. 1581 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
I have consistently disputed the inaccuracies in the provided information with XXXX, and TransUnion ; regrettably, the matter remains unresolved to date. 

XXXX 1. Under 15 US Code 1681b permissible purposes of consumer reports XXXX XXXX XXXX Account Number XXXX XXXXXXXX Please remove this inaccurate information from my credit report. 
2. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX CA XXXX Please correct/update this inaccurate information on my credit report. 
3. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/year> Please remove this inaccurate information from my credit report. 

TransUnion 1. The following personal information is incorrect Name : XXXX XXXX 2. The following personal information is incorrect Also Known As : XXXX XXXX 3. The following personal information is incorrect Also Known As : XXXX XXXX 4. The following personal information is incorrect Employers : XXXX 5. Under 15 US Code 1681b permissible purposes of consumer reports XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX CA XXXX Please correct/update this inaccurate information on my credit report. 
7. The following personal information is incorrect XXXXXXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX Please remove this inaccurate information from my credit report.

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 2024-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I am going through debt consolidation. I have several accounts with Synchrony. Once I stopped paying on XXXX of the accounts, Amazon and Paypal, that I planned to pay through debt consolidation, Synchrony just started closing most of my accounts even though I was still paying on those accounts. Recently Synchrony closed my Care Credit account which I use for my medical care. I am not even using XXXX of my credit limit. All together they have closed my Car Care, JC Penney, Lowes, Care Credit, and Ashley Furniture Credit accounts. 
My JC Penney account actually has a credit on it. The Ashley Credit Account was on a 0 % interest promotion and I was paying more that required monthly. On my Lowe 's account most of it was interest free. When I go to the customer portal to submit a complaint and documentation, the doesn't seem to be a designated area to submit one. The chat has a virtual rep.

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 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

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 2024-01-25 00:00:00
Product: Credit reporting 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: IL

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX, I ordered a mattress, a bed, and a night table from Wayfair. The total purchase price was {$490.00}. The XXXX was delivered on XX/XX/XXXX, and the mattress and bed frame were delivered on XX/XX/XXXX. All three items were received damaged. The mattress was crushed in the corners ; the bed frame was scratched in multiple places, and the wood for the night table was cracked. I immediately contacted Wayfair via their chat function and reported these issues. I also submitted pictures of the damage via their chat portal. I was told someone would reach out to me. On XX/XX/XXXX, I received an email from Wayfair asking me to, again, upload pictures of the damage, which I did, again. See attached email. 
On XX/XX/XXXX, I again emailed them for a status. See attached email. 
On XX/XX/XXXX, I emailed them again for a status. See the attached email. 
On XX/XX/XXXX, I emailed them again for a status. See the attached email. 
After having no response from Wayfair, I reached out to them again in the chat portal. I submitted pictures of the damage in the portal, again. Again, I was told someone would contact me. Again, there has been no contact from Wayfair. I have reached out to Wayfair a total of SIX times, trying to resolve this matter. They have never responded to me, contacted me, or provided any information for me to return the damaged items. Their website did not give me an option to return the damaged merchandise, only to return items that I changed my mind about keeping, at my expense. 

I disputed the charge for the damaged merchandise with Citibank. Citibank closed my dispute and told me that I need a " credit slip '' from the merchant agreeing to a refund. What? It's damaged merchandise and the merchant has not responded to me, hence the dispute. 

I am not paying for damaged merchandise, nor should I be expected to. 
Under the Consumer Protection Act, I am entitled to a full refund for damaged or defective products. The merchant had 30 days to rectify this with me, and they have not. The Fair Credit Billing Act protects consumers on credit card purchases. I have followed every step necessary under the Act, and the charge needs to be removed from my account.

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 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2024-01-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Uetsa Tsakits, Inc. d/b/a MaxLend
State: LA

Complaint narrative:
Hello, My name is XXXX XXXX. On XX/XX/23 I inquired about a loan with Maxlend. They requested that I send my recent bank statements to see if I could get approved for a loan. A few hours later I received an email that my loan had been approved with a document that claimed that I had signed it. The only " signature '' was a check box then my name in the text underneath. However, I did not see this application until I was approved for the loan. I did not speak to anyone who said I had been approved nor did I fill out this form in any way. Roughly 20 minutes afterward they sent another e-mail saying the funds were on the way. I did not read these e-mails until a month and a half later. All information about the interest and principle was after the check box that claimed I had signed them.

Company response to consumer: Closed with explanation