vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Here is the problem I found Inaccurate information on my credit report that your agent refuses to make sure it was reporting 100 % accurate.I pulled my credit report from XXXX XXXX On XXXX I mailed a certified letter to all 3 credit bureaus, XXXX, TransUnion and XXXX. 30 days after they received that letters they did not update or delete the accounts. On XXXX I sent another certified letter to all 3 bureaus again asking them to do another reinvestigation on the same accounts and again the accounts were not updated or deleted. 

Here is a copy of the original letter I sent out on XXXX 


XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Michigan XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX, XXXX and Trans Union XXXX  Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX  # XXXX XXXX ) Date of Last activity : Transunion reported date XXXX, XXXX reports date XXXX and XXXX reports no date. Please update or Delete this inaccurate information off my credit report. 

XXXX XXXX XXXXXXXX XXXX ) Date of Last Activity : TransUnion reports XXXX XXXX reported XXXX and XXXX reports no date. Please update or Delete this inaccurate information off my credit report. 

XXXX XXXX XXXX 1 ) Date Of Last Activity : TransUnion reports XXXX XXXX reports XXXX Please update or Delete this inaccurate information off my credit report. 

I attached a Copy of my credit report and highlighted to errors as well. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 




Sincerely yours, 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 2022-12-05 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: GA

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. 

Account XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2022-12-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
This was a business loan for XXXX XXXX XXXX I was main stockholder so they put an open end mortgage on my house. The date of loan was XX/XX/2006 which has been paid off for at least 8 years. I need the satisfaction letter sent to XXXX XXXX Pennsylvania XXXX. I have contacted PNC bank more than 45 days ago and also sent them info on this to XXXX Ohio more than 2 weeks ago. No response?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThere is an account with XXXX XXXX XXXX with account number XXXX on my XXXX that was opened on or around XX/XX/XXXX. 
I reached out and informed them aboutthese accounts that are not my accounts and to remove them from my record but they have not removedit. I did not open these accounts and I have no knowledge of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: GA

Complaint narrative:
For Equifax to say they can not find my credit file is just lazy, I sign into MY Equifax all the time so my credit file is available. 
Attached you will find a copy of my Drivers license front and back and a copy of my social security card. 
Please Equifax do you job and stop stalling I am a natural person, a living human being. I have rights under law 15 USC 1681, And they have violated my rights several times. I demand the accounts listed below be removed because According to 15 USC 1681. I have the right to privacy and did not give Equifax written permission to furnish these accounts. Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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.

There are many inaccuracies within my consumer report. See enclosed attachments

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 2022-12-05 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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.

There are many inaccuracies within my consumer report. See enclosed attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ

Complaint narrative:
I have an account with Hsbc and they without notifying me I guess decided to lock me out of my account my wife XXXX  the joint owner has access still to her online portal and she tried to transfer the {$3800.00} in funds that we still have in the account Over to another account that we verified using the Hsbc website with two deposits which they did deposit into the second bank account which would be chime and then they withdrew it. This all happened very quickly. And then we initiated a bank to bank transfer to withdrawal our funds because they told us they were closing our account because I mistakenly deposited an old check and it did not clear I did it completely on accident and this is the first time anything like this is ever happened since opening the account, but they are refusing to give me my money in any way other than a cashiers check and they say that it could take 60 days but XXXX XXXX XXXX XXXX XXXX and at first somebody told me I could go to a branch which is XXXX XXXX XXXX away or I will wait to 60 days in the person. I just got off the phone with now tells me I have to wait to 60 days and theyre not gon na allow me to transfer my phones out and I believe this is unfair practice and I hope that you guys could help me to resolve this issue. All I wan na do is remove my funds. They can close my account, and I will be happy to no longer do business with them ever again I learned my lesson..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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:
XXXX XXXX XXXX  XXXX Transunions This company to include Transunion has reported that I have a repossession on my credit report. I have been trying to get a car for months!! and # XXXX. XXXX XXXX is a credit card builder company. they do not have auto loans. # 2 I've asked multiple times for this to be resolved and NO ONE WANTS TO RESPOND TO ME # 3 this has determented my life!!! I can not get a LOAN i can not get anything done!!!! THIS HAS DEFORMED MY CHARACTER! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TAKE THIS OFF NOW

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 2022-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
In XXXX of 2022, I applied to assume my mortgage entirely from my husband as we are planning a separation. I contacted the bank, XXXX and Dovenmeuhle the servicer of the mortgage. 

They said the process would cost {$900.00} and I had to submit this with my application, but as long as I qualified and provided the documentation I could continue with the process. 

In early XXXX, my assumption was approved by Dovenmeuhle. They sent me the paperwork/package towards the end of XXXX. I think I finally received it on XX/XX/XXXX. It was extensive and I had to get things done I hadn't expected, but that was okay. I reviewed that to see what else was required to continue with the process. 

By XXXX XXXX, I had everything ready, but this was XXXX and I would have to wait until after the holiday to finish up and send the final package back to XXXXDovenmeuhle to close. 

Upon returning from a holiday break, XXXX XXXX, I was going through the mail that had stacked up and noticed a letter from XXXX that my mortgage had been sold to a new bank - XXXX. In the meantime, all of my paperwork is ready to send back to finish up the assumption. 

I contact both banks, and basically, according to the banks there is nothing that can be done. XXXX sold my mortgage in the middle of the assumption process, XXXX won't continue the process based on my paperwork and existing application ( and credit check, approval, updated deed, etc. ). They said I have to start over and their terms are different than XXXXDovenmeuhle. 

On top of that, I sent {$900.00} to XXXX for a process they essentially ruined by selling my mortgage. They did not mention the refund of my payment and said that after I sent an email they would decide whether or not it would be refunded. I haven't heard from them yet. 

My complaint is first about selling my mortgage in the middle of business that I was conducting with them and knowing we were in the middle of something and not allowing it to finish or providing any sort of deadline or warning. 

My second complaint is about refunding my entire {$900.00} payment. They should have offered that from the outset of knowledge of the sale. I should not have to ask for my payment back. At this point, I still don't know what that outcome and potential argument will be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have set up mortgage payments so that I pay towards my monthly obligation twice a month. This is for two reasons : 1 ) it evens out my monthly expenses 2 ) early payments *should* help me pay down my mortgage faster. 

After enrolling in this program, I learned that the first payment is held in a " suspense account '' and it IS NOT applied to the mortgage at time of payment. Instead, it is held & applied at the end of the month, once the second payment is received. 

I am paying early, but I am not receiving any benefits related to that early payment ( balance reduction, which then impacts interest over the life of the loan, therefore helping me pay down faster. ). 

Truist does not have ANY other way for me to make partial payments towards my monthly obligation -- I must pay all or nothing.

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 2022-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
This is in reference to my Comenity XXXX  Mastercard.   Phone Number on file XXXX   This interaction occurred XXXX.  
On two several dates, i have called to pay my balance in full.   Back in XXXX XXXX  in the amount oXXXX XXXX and XXXX in the amount of XXXX.  After that the system generated a XXXX finance fee which carried over for XXXX  months with late fees.  I was unaware of the situation being that i assume i paid in Full before due date and only have access to electronic statements.  I called on XXXX XXXX at approximately XXXX XXXX XXXX and was treated with a cold, unfriendly, condescending employee who I hope you can identify since the calls are recorded.  She cut me off and transferred me to collection dept and then the phone got mysteriously disconnected. She job performances need to be addressed and she clearly can not deal with problem solving.  after two more phones calls, the second one being disconnected again during a hold/transfer.  I finally called back the third time and spoke with XXXX who went above and beyond to help me and not talk over me. XXXX was able to see what I was disputing and assist me in a professional matter. 
 I would like to give her a recommendation for her professionalism and help.  Finally a good one!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-05 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -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 XXXXXXXX XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: GA

Complaint narrative:
MY IDENTITY WAS STOLEN AND USED FOR FRAUDULENT PURPOSES. THE THIEVES APPLIED AND OPENED ACCOUNTS IN MY NAME AT XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AND ALL OTHERS THAT I DO NOT HAVE KNOWLEDGE OF. 

ADDITIONALLY, I HAVE OVER XXXX INQUIRIES ON MY CREDIT THAT I DID NOT APPLY FOR. PEOPLE KEEP CALLING ME REQUESTING MY SOCIAL AND DATE OF BIRTH. COMPANIES KEEP CALLING ME BASED ON APPLICATIONS THAT WERE SUBMITTED IN MY NAME FOR A MORTGAGE, LOANS, CREDIT CARDS, AND APARTMENTS. 

MY INFORMATION WAS ACCESSED BY DATA LEAKS AT XXXX, XXXX, XXXX, XXXX AND PLACES THAT ARE UNKNOWN. I HAVE HAD FRAUD ALERTS ON MY CREDIT BUREAU REPORTS FOR YEARS, BUT THEY KEEP CIRCUMVENTING THE FRAUD ALERTS. 

THERE WERE BANK ACCOUNTS AND TAX RETURNS FILED UNDER MY NAME FOR THE PURPOSES OF FRAUD. I REACHED OUT TO XXXX XXXX, AND THEY REFUSED TO REMOVE THE FRAUDULENT ACCOUNT, STATING THAT THE ACCOUNT WAS MINE BECAUSE IT WAS UNDER MY NAME. 

I HAVE REACHED OUT TO THE BUREAUS, AND THEY HAVE NOT DELETED THE INQUIRIES NOR THE FRAUDULENT ACCOUNTS. THEY ALSO DO NOT RESPOND TO MY COMPLAINTS. I AM XXXX XXXX XXXX, AND THIS IS ELDER ABUSE.

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 2022-12-05 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: GA

Complaint narrative:
MY IDENTITY WAS STOLEN AND USED FOR FRAUDULENT PURPOSES. THE THIEVES APPLIED AND OPENED ACCOUNTS IN MY NAME AT XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, AND ALL OTHERS THAT I DO NOT HAVE KNOWLEDGE OF. 

ADDITIONALLY, I HAVE OVER XXXX INQUIRIES ON MY CREDIT THAT I DID NOT APPLY FOR. PEOPLE KEEP CALLING ME REQUESTING MY SOCIAL AND DATE OF BIRTH. COMPANIES KEEP CALLING ME BASED ON APPLICATIONS THAT WERE SUBMITTED IN MY NAME FOR A MORTGAGE, LOANS, CREDIT CARDS, AND APARTMENTS. 

MY INFORMATION WAS ACCESSED BY DATA LEAKS AT EQUIFAX, XXXX, XXXX, XXXX, AND PLACES THAT ARE UNKNOWN. I HAVE HAD FRAUD ALERTS ON MY CREDIT BUREAU REPORTS FOR YEARS, BUT THEY KEEP CIRCUMVENTING THE FRAUD ALERTS. 

THERE WERE BANK ACCOUNTS AND TAX RETURNS FILED UNDER MY NAME FOR THE PURPOSES OF FRAUD. I REACHED OUT TO XXXX XXXX, AND THEY REFUSED TO REMOVE THE FRAUDULENT ACCOUNT, STATING THAT THE ACCOUNT WAS MINE BECAUSE IT WAS UNDER MY NAME. 

I HAVE REACHED OUT TO THE BUREAUS, AND THEY HAVE NOT DELETED THE INQUIRIES NOR THE FRAUDULENT ACCOUNTS. THEY ALSO DO NOT RESPOND TO MY COMPLAINTS. I AM XXXX XXXX XXXX, AND THIS IS ELDER ABUSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
on XXXX i sent a letter to transunion stating that, Section 609 ( a ) ( 1 ) ( A ), of the Fair Credit Reporting Act you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. i was asking transunion to verify these accounts and inquries listed below 1.XXXX inquiry on XXXX XXXX XXXX  XXXX. XXXX XXXX inquiry on XXXX XXXX XXXX  3. XXXX inquiry on XXXX XXXXXXXX XXXX 4.XXXX XXXX XXXX XXXX account ( Original creditor : XXXX XXXX  XXXX ) also XXXX XXXX XXXX  is not licensed to collect debts in new york so they must be deleted and removed now it is now XXXX  and they have not responded or update my credit report its been over 30 days and no response. that is against the law. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof like a contract with my signature on it in the next 30 days, you must remove the account and inquiries. 
since its over the 30 day period and no response. i want these removed

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 2022-12-05 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: CT

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. 
XXXX  Account # XXXX, XXXX, XXXX, XXXX 15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall furnish any information relating to a consumer to any consumer reporting 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