vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-24 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: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law this account must be deleted immediately 2. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX As a consumer by law this account must be deleted immediately 3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX As a consumer by law this account must be deleted immediately 4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX As a consumer by law this account must be deleted immediately 5. Validate/inaccurate reported late payments. 
XXXX Account Number : XXXX Please update late payment, all payment was made on time 6. FDCPA Section 807 Violation Misleading False Reporting XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
7. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
8. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report.

9. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
10. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
11. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX Account Number : XXXX Please remove it 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 2022-06-24 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: OH

Complaint narrative:
Fraudulent accounts are in my report, I requested validation through the original contract but no contracts have been sent to me ever since. This request has been ignored as shouldn't be the case as the law states that I am able to request a contract between me and the company that I have allegedly had an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: CA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. This is the item I demanding to be deleted immediately : Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the Child Support court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
XXXX XXXX XXXX  Account Number : XXXX Delete account for failure to perform an investigation per fcra regulation

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 2022-06-24 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: IN

Complaint narrative:
I am writing to delete the following information in my file. the Item I need deleted is listed in the report. I am a victim of identity theft and did not make the charge. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please Delete the item as soon as possible.

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 2022-06-24 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:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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 2022-06-24 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:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Continental Finance Company, LLC
State: MI

Complaint narrative:
I have starting recieving calls from " XXXX XXXX XXXX '' ( XXXX ). 

The callers were very aggressive and demanding that I " verify '' my personal information so that they can share with me what they are calling for. I refused to verify my personal info with a strange caller and they refused to tell me what creditor they were calling for. 

They said I can go online to XXXX XXXX XXXX and I also called them back and another person answered the phone but knew exactly who I was and continued arguing with me because I wouldn't " verify '' my personal information. 

On the second call, they didn't ask for my personal info, but immediately stated that they were collecting for a specific credit card account that I do not owe a debt for.

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 2022-06-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: TEXAS CAPITAL BANCSHARES, INC.
State: FL

Complaint narrative:
I have been requesting that XXXX XXXX  close my online savings account for several weeks. Two requests were via the bank 's internal email on XX/XX/XXXX and XX/XX/XXXX. Two were phone calls to the bank 's customer service line ( XXXX ) on XX/XX/XXXX & XX/XX/XXXX. XXXX told me that the department that closes accounts is very busy. But I find this silence and lack of follow through highly unusual. My savings account is still open ( with a XXXX balance since the beginning of XXXX ). I also placed a complaint with the XXXX XXXX XXXX on XX/XX/XXXX with no results. XXXX XXXX  has not replied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: DISCOVER BANK
State: CA

Complaint narrative:
XX/XX/XXXX : paid the whole balance of {$100.00} Discover credit card account XX/XX/XXXX : I called and cancelled my Discover credit card ; made sure to ask if there were other fees/balances that I needed to pay beforehand. Representative said no. 

Discover states that I had an outstanding balance of XXXX and placed my account in delinquency as of XX/XX/2022 which then drastically decreased my credit score.

However back in XXXX I called Discover and asked to dispute the balance, which they stated they would do over the phone. But now Discover is claiming there is no record of such call or dispute record. 
I called and asked to dispute the delinquency as my account was being closed and canceling all auto-payments with merchants. Discover provided a courtesy adjustment and waived the charge but declined to remove credit report. 
I asked for a goodwill adjustment but Discover refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX As a consumer by law this account must be deleted immediately The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As a consumer by law this account must be deleted immediately The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX As a consumer by law this account must be deleted immediately The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX As a consumer by law this account must be deleted immediately The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX As a consumer by law this account must be deleted immediately. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As a consumer by law this account must be deleted immediately. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it 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 explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have been getting text messages from synchrony bank in regards to fraudulent transactions to aTJ Maxx rewards credit card that I have not signed up for. I filed a fraud report and requested the account to be closed. But they asked that I pay for the {$210.00} payment fee that I had missed. But I didn't need to make the payment because I had never made any transactions with a TJ Maxx credit card. Nor have I ever opened up one. If I did, I would remember. But, I don't. So I just made the payment today and I have family members asking me why I did it. But I can't give them a straight answer.

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 2022-06-24 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 2022-06-24 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: OH

Complaint narrative:
Fraudulent accounts are in my report, I requested validation through the original contract but no contracts have been sent to me ever since. This request has been ignored as shouldn't be the case as the law states that I am able to request a contract between me and the company that I have allegedly had an 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 non-monetary relief
Consumer complaint received 2022-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: AR

Complaint narrative:
The complaint I have with each company is, my rights were violated. I recently came across information from the Federal Trade Commission more specifically the Gramm-Leach-Bliley Act 15 USC 6802. On one of the accounts ( XXXX ) my now ex-husband purchased the unit with me as the buyer and him as the co-buyer with all of my information. I never signed any documents, nor did I give him premission to do so, because we were married at the time, I didn't want to prosecute him. After looking at the original documents. I've never lived at the address on the document, nor did I sign anything, someone had to sign my name. I will attach all of the following correspondence letters I've sent to these companies as of XX/XX/2022 with no resolution. My student loans have also been XXXX due to a permanent XXXX, but they're still being reported.

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 2022-06-24 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2022-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: SC

Complaint narrative:
In XX/XX/XXXX, our property tax was incorrectly assessed at a rate of 6 % instead of 4 % and an escrow payment was made through our mortgage company ( United Wholesale Mortgage ) at the incorrect 6 % rate. We had this issue resolved in late XX/XX/XXXX through the XXXX XXXX Auditor 's Office, and in XX/XX/XXXX a check was sent to United Wholesale Mortgage to cover the difference between the 6 % and 4 % assessment rates ( approximately {$5400.00} ). During this process, our mortgage loan was transferred to a new company ( XXXX XXXX ). The check provided to United Wholesale Mortgage to cover the difference of the incorrect property tax payment was not transferred with our loan, so an escrow shortage is showing up under our new loan provider. As of XX/XX/XXXX, we show an escrow shortage of {$5200.00} and are paying approximately {$400.00} more per month in our mortgage payment to cover the difference. Over the last 6 months, my husband has spent countless hours on the phone with United Wholesale Mortgage to get this issue resolved. United Wholesale Mortgage has acknowledged that they received the check from the XXXX XXXX Auditor 's office, but they can not provide any sort of documentation that the money was forwarded to XXXX XXXX. As of right now, United Wholesale will not release a check to XXXX XXXX and we continue to pay out-of-pocket for the escrow shortage that should not exist. I have attached a copy of our corrected property tax bill ( assessed at the 4 % rate ), as well as a statement indicating our current escrow shortage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: IN

Complaint narrative:
I am writing to delete the following information in my file. the Item I need deleted is listed in the report. I am a victim of identity theft and did not make the charge. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please Delete the item as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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:
I have submitted several disputes with all three Bureaus including Experian, XXXX, and XXXX. I'm a victim of Identity Theft, and was informed by all three bureaus to submit a ID Theft Report from the FTC along with a Police Report to remove the fraudulent accounts from my credit reports. 

I submitted the last FTC ID Theft Report, along with my Police Reports back on XX/XX/2021. I never received any correspondence from the bureaus. I called them approximately 45 days later and to no avail all I got was the run around and they were continuing to process my disputes. From that point I kept waiting to receive some form of correspondence in the mail and still never received any correspondence whatsoever. 

I then decided to try to contact the collection account by the name of XXXX XXXX directly that's reporting on my credit report due to fraud. I spoke with a the Collections Manager by the name of XXXX XXXX XXXX who informed me to send a copy of the Police Report, and she would look to remove the collection account from my credit report. Again, I never heard back from the Collections Manager as it relates to this and the other fraudulent accounts on 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