vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-13 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: NY

Complaint narrative:
I was online at the XXXX XXXX website. The site prompt me to put my personal information in so that it can get quotes from potential lenders who would be interested in funding me. The site also stated that there would only be XXXX soft inquiry on my credit report. On the Contrary, I ended up having all of these hard inquiries on my credit report from these various companies, Which I had no idea about. Plus, there where other accounts on my credit report that I didnt even knew where there! Unbelievable! 
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 2022-08-13 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: NY

Complaint narrative:
I was online at the XXXX tree website. The site prompt me to put my personal information in so that it can get quotes from potential lenders who would be interested in funding me. The site also stated that there would only be XXXX soft inquiry on my credit report. On the Contrary, I ended up having all of these hard inquiries on my credit report from these various companies, Which I had no idea about. Plus, there where other accounts on my credit report that I didnt even knew where there! Unbelievable! 
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 2022-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act the following companies 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 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any Reason. Account name XXXX Account XXXX XXXX Account name XXXX XXXX XXXX XXXX  Account number XXXX Account Name XXXX XXXX  Account number XXXX Account XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account number XXXX Account XXXX XXXX XXXX XXXXXXXX Company Account XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX Account number XXXX Account XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account Name XXXX XXXX Account number XXXX Account Name XXXX XXXX Account number XXXX Account Name XXXX XXXX  Account Number 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 2022-08-13 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 XXXX : 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 explanation
Consumer complaint received 2022-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I opened an 0 % APR credit card account with Bank of the West just to stop them from sending me invitations in the mail and decided to use the card later on. Since I thought I was getting 0 % APR for first XXXX months for purchases I decided to set the auto payment to minimum amount when I was checking when should I update auto payment to full balance this morning I realized I was getting charged interest. I tried resolving this with the bank 's call center but although the rep was trying his best, were not able to help me. I've never paid interest on my credit card purchases in my entire life and this is something really annoying for me. 

Interest Charges : XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXXXXXX account # XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXXXXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX, XXXXXXXX XXXX XXXXXXXX account # XXXX, XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXXXXXX XXXX XXXXXXXX account # XXXX, XXXXXXXX XXXX XXXXXXXX account 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 explanation
Consumer complaint received 2022-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have already filed a complaint with you about issues with Citibank cards. After months of trying to fix the issue and Citibank reporting me to Credit bureaus they finally accepted their mistake. My problem now is they keep sending me to credit bureaus which is lowering my once high credit score. I have asked them to please inform the agencies of their mistake in order to fix my credit but they have not done this yet, they actually sent in a 90day late payment against me. I have endured months of them basically calling me a liar, hanging up on me and " refusing to look at the issue any further ''. Now they finally realize they were wrong but still keep hurting me. I did nothing wrong. I got a credit card, used it and paid my bill on time every time. Citibank should not be allowed to push people around like they do, it's just not right. How is a company allowed to do this? Seriously I am not understanding this. Thank you CFPB for all your help in this matter, I truly appreciate 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 2022-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Reporting wrong balance amount steady increasing balance after years of charge off keeps reporting open and closing of account to purposely damage my score as a form of harassment

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 2022-08-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Reporting wrong balance amount steady increasing balance after years of charge off keeps reporting open and closing of account to purposely damage my score as a form of harassment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 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: GA

Complaint narrative:
Reporting wrong balance amount steady increasing balance after years of charge off keeps reporting open and closing of account to purposely damage my score as a form of harassment

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 2022-08-13 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 2022-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Rental history only list 12 months but dates eviction after 12 months lapsed. Impossible to have eviction after rental hi story ended.

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 2022-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian will not let me dispute any of the account they are marked potentially negative 35 of them that are closed and older than 6 to 7 years. Also I have a current account that is not late with XXXX XXXX XXXXXXXX they also have potentially negative i contacts the td finance and they told me to dispute thru experian but experian will not let me dispute anything on my file stating it was already disputed. I am getting no where all those closed accounts that are over 6-7 years I need removed but I am being blocked and can not do anything this is a violation of my rights.I would like all closed account remove that are not reporting in my file REMOVED. They have hijacked my report and I have no access. I want my XXXX XXXX XXXX the one that is open XXXX correctly I have never been late and I would like XXXX XXXX XXXX contact to confirm this is correct. 
I only have one name and have disputed they will not remove the other names of my report nor the addresses that dont belong to me. XXXX XXXX I ask for a live call to company to get sign documents I own that file nothing they updated it and left it on my report when I have never done business with that company. I need this fixed asap. I need XXXX a XXXX XXXX  to update my credit report monthly I am not seeing a 30 day update from them because of the daily fees they are charging me they are hiding what I owe and kinda not reporting my payments are on time an never late. I want my balance up dated monthly to all 3 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 2022-08-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: KY

Complaint narrative:
I believe my car was illegally repossessed. The dealership, XXXX XXXX in XXXX, KY, tricked me to come back to the dealership by stating I had to come to sign some paperwork on XX/XX/2022. They then proceeded to tell me my car was being repossessed and I had to give it back to them. I put almost {$5000.00} down on that car, and they will not give me that money, told my husband and I not to call them, and will not return my phone calls. I spoke with the lender- XXXX XXXX XXXX and they told me there was nothing they could do, because I had been 2 weeks late on making a payment. The payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: VA

Complaint narrative:
this bill is from ever source on this address XXXX XXXX XXXX XXXX ct .... I have a collection notice from XXXX XXXX XXXX XXXX XXXX, Ltd for XXXX bill is owed from XXXX to and today they says... but I sold this house on XXXX and the new owner showed me all the ever source bill on time ... number one is not my bill ... number two new owner paid already that bill .... this is account number XXXX ... but ever source still sending me two more account numbers on that address ... please check ever source electricity supplier... is killing customers credits for no reason... thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 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: MS

Complaint narrative:
I have notified EXPERIAN several times that they are in violation of my consumer rights by reporting unverified and unvalidated information on my consumer report pursuant to 15 USC 1681 ( a ) ( 4 ). On XX/XX/XXXX I tried to upload my most recent affidavit to www.experian.com/upload. The website would not allow me to upload any of my documents. I also Mailed the notarized affidavit and its supporting documents via certified mail on XX/XX/XXXX. Pursuant to 15 USC 1681 ( a ) ( 3 ) EXPERIAN " assumed '' the role of assembling and evaluating my credit as a consumer and all information included in my consumer report. With this being said, I never gave EXPERIAN consent to share any information. The role EXPERIAN assumed is voluntary and I as the consumer own my consumer report and Experian failed to comply with the law pursuant to 15 USC 1681b ( 2 ). 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states my consumer report should not include transactions between the consumer ( me ) and the person ( the financial institute ) making the report.

EXPERIAN is in violation of my privacy pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( iii ). By reporting XXXX and AFFIRM EXPERIAN is in violation of the laws made by Congress. EXPERIAN NEVER did a proper initial investigation defined by 15 USC 1681 ( a ) ( 4 ). Pursuant to 15 USC 1681a ( B ) any authorization of a specific extension of credit or similar device should be excluded from my consumer report. The transactions that EXPERIAN clearly didn't investigate are categorized as transactions that were issued from a credit card ( my social security card ) as defined under 15 USC 1602 ( l ).

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 2022-08-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Healthcare Management, LLC
State: WY

Complaint narrative:
I am writing on behalf of my wife XXXX XXXX. We saw back in XXXX of XXXX  that she had a collections on her credit report for a medical bill she received as a child. We immediately contacted A-1 to pay the amount of {$200.00} in full the very next day. We requested a goodwill deletion because of her otherwise perfect credit record- this was a debt levied onto a minor who at the time did not even realize it existed. Because of this circumstance A-1 agreed to a goodwill deletion. 

This past week the collection was reopened on her credit reneging on their promise and the account now appears to be open as if we never paid. Attached are bank statements and credit report info that documents this illegal situation and illegal attempt to collect an already paid debt. 

I am also sending this to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX as the originator of the medical debt for their failure to utilize a reputable debt collection agency and being complicit in these illegal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
On XX/XX/2022, I received written communication from Credit Collection Services indicating that I was owed {$1600.00} for a past due amount from the original creditor XXXXXXXX XXXX XXXXXXXX XXXX. I contacted CCS and explained that I had been in contact with XXXX XXXX because the amount was incorrect, and we had been working to resolve the matter directly with XXXX to come up with the correct amount owed. CCS maintained that I owed {$1600.00} and reported this amount to the credit bureaus despite being told that it was the incorrect amount and it was being handled directly with XXXX. After speaking with XXXX XXXX and the amount was corrected to {$890.00}, I again notified CCS that the matter was being handled directly with XXXX and asked them to remove the debt collection from my credit report. Instead of removing it from my credit report, CCS adjusted the amount to {$890.00}, giving the impression that I had made a payment directly to them. When I contacted them again and asked them to remove it from my credit report and explained that I was dealing with it directly with XXXX, they refused. I explained again that I would not be paying them, but paying XXXX  directly, CCS still refused to remove it from my credit report. The payment was made to XXXX directly ( see receipt ) and yet it appears that it was made with CCS and is still appearing on my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: WA

Complaint narrative:
On XX/XX/XXXX I sent a letter registered mail to Specialized Loan Servicing LLC stating I would like to end the collection of my escrow account on my mortgage note. As of this date I have received no correspondence from them that they received my letter or acknowledgement that Specialized Loan Servicing LLC has ceased to collect for escrow. 
This is unacceptable behavior. Specialized Loan Servicing LLC has ignored all my presentments starting XX/XX/XXXX in which there have been 7 of them sent registered mail and addressed Attention XXXX XXXX. This includes Notice of Acceptance of Credit Issued and Discharge of Debt, dated XX/XX/XXXX ; Notice of Opportunity to Cure, dated XX/XX/XXXX ; Notice of Settlement and Estoppel, dated XX/XX/XXXX ; Notice of Request for Validation of Debt, dated XX/XX/XXXX ; Second Notice of Settlement and Estoppel, dated XX/XX/XXXX ; Notice of Fault and Opportunity to Cure, dated XX/XX/XXXX ; and Notice of Credit to Cure, dated XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I have been conducting my XXXX XXXX XXXX XXXX with PayPal for TWENTY YEARS. My record is virtually spotless. I process XXXX XXXX XXXX XXXX per month, ALL OF MY INCOME comes through pay pal. This month OUT OF THE BLUE they decided that I would only have access to XXXX XXXX of MY MONEY- this is represents XXXX percent of my earnings. The money is being held for 21 days. I CAN NOT RUN MY BUSINESS. I CAN NOT BUY FOOD. They have repeatedly promised to get back to me BUT THEY HAVE NOT. They do not answer written messages nor do they take any action on the phone. I REPEAT : I HAVE WORKED WITH THESE FRAUDSTERS WITHOUT INCIDENT FOR TWENTY YEARS. THERE IS NO REASON FOR THIS ACTION. They originally told me it was because my sales increased. THAT IS FALSE, I am down 10 % on the year. They also suggested I enter each tracking numbers from orders onto the PayPal site. THIS IS NOT PHOSICALLY NOT POSSIBLE NOR IS IT WARRANTED. Please help

Company response to consumer: Closed with non-monetary relief