vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-10 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: TN

Complaint narrative:
I have been getting denied for a rental property since XX/XX/XXXX, which made me look into my credit report where I found several inaccuracies and FCRA violations. 

I have been going back and forth with Transunion since XXXX XXXX. It is now XX/XX/XXXX and my situation still has not been resolved. I have repeatedly asked for evidence supporting their reporting -- four times to be exact. They have failed to provide me a copy of ay viable evidence submitted by the creditor substantiating their claims. I've also requested their method of verification and Transunion still has not complied, which is an additional violation of the FCRA 611 ( a ) ( 7 ).

At this point, I believe that Transunion is acting in bad faith and have not complied with the FCRA at all, which now I am prepared to file a lawsuit in the small claims court. Their inaccurate and unverifiable reporting was the cause of my family and I becoming homeless. If not removed, I will be seeking damages. This has been traumatic.

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 2023-08-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: QuickClick Loans of Illinois, LLC
State: GA

Complaint narrative:
This lender is involved in predatory lending. They pray on customers who are hard on their luck maybe in financial straights to impose High fees and absorbent interest. I was the victim of this practice. In XXXX I entered into a loan for the dollar amount of {$3200.00}. Over the course of this loan I paid them {$4200.00} was informed in XXXX of XXXX that I still had a balance of {$1400.00}. I had already paid them and amount of {$1000.00} over the original loan amount and still was being asked for an additional {$1400.00}. That additional {$1400.00} would have taken my payment into the amount of {$2400.00} on a {$3200.00} loan which is almost 80 % of the original loan. At this time and since an angered of this practice I stopped paying in XXXX. Loans remain on my credit report and was told today that it will remain on the credit report for another 2 years. As a consumer I believe this practice of absorbent predatory loans is outrageous and the fact that this company continues to be in business with this type of practice is a Injustice to all past and present and future consumers. Being down on your luck unemployed and facing a financial burden should not allow for this type of company to take advantage. I knew that there would be some fees and a percentage rate but I had no idea that I would be paying almost 80 % of the original loan

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 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:
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 Name : DPT EDXXXX 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 XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account XXXX : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: WV

Complaint narrative:
I received this year 's escrow analysis and found that there was a error regarding my homeowners insurance policy ( ies ). During closing last year in XXXX, XXXX I had paid XXXX for 12 months coverage to XXXX XXXX XXXX. Property taxes were also paid and the amount of escrow taken that following year should have covered the majority of escrow needed for this year. 

The analysis completed on XX/XX/XXXX shown that I was XXXX in debt for escrow. When I reviewed the analysis I found they had two policies taken out for homeowners insurance. The amounts are XXXX ( XXXX, XX/XX/XXXX ) XXXX ( XXXX, XXXX, XXXX ) and XXXX ( XXXX, XX/XX/XXXX ). I called Vanderbilt mortgage and finances, Inc to try to resolve this XX/XX/XXXX. 

They gave me policy numbers and phone numbers to the insurance companies and I called the next couple days getting everything lined out. Unfortunately, there is still a debt in which I owe and a monthly increase in escrow payment of XXXX. 

XXXX issued a refund on XX/XX/XXXX which I still have yet to receive and when I call I am told it is processing. Vanderbilt claimed that I had not paid any amount towards property/homeowners insurance with closing cost ( page 2b of 5  in closing disclosure shows on line F 01 an amount of XXXX ). 

They are not helping me to resolve an issue they have made and I feel that I shouldn't be obligated to pay for their mistake. I have already made one payment with the escrow increase and need help resolving this issue as quickly as possible. 

Sorry for the long message but I most certainly thank you for your time.

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 2023-08-10 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX XXXX # XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, have 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 2023-08-10 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:
I am writing to formally dispute the inaccurate balance reporting on my credit report by XXXX XXXX. The account in question should have a XXXX balance, yet XXXX XXXX is reporting to all credit reporting agencies a balance and continues to report an incorrect balance. This inaccurate reporting negatively impacts my credit history and must be updated immediately to ensure the accuracy of all my credit reports, as mandated by the Fair Credit Reporting Act ( FCRA ) and other relevant statutes. 


I request a thorough re-investigation into this matter, adhering to the guidelines set forth by the FCRA and other applicable statutes. The following concerns highlight the inaccuracies in the current reporting : Failure to Reflect Correct Account Balance : XXXX XXXX is reporting a balance on the account, while the account balance should be XXXX. This inaccurate reporting is consistent across all credit reporting agencies and is damaging my credit history. It is essential to rectify this discrepancy promptly to ensure the accuracy of all my credit reports, as required by the FCRA and other relevant statutes. 


Non-Compliance with FCRA and Statutory Requirements : The inaccurate reporting by all credit reporting agencies, constitutes a violation of the FCRA and other applicable statutes, which mandate that credit reporting agencies report accurate and up-to-date information. It is evident that the reported balance is incorrect, and it is the responsibility of both XXXX XXXX and all credit reporting agencies to correct this mistake in a timely manner. 


I demand immediate action to rectify this situation, in compliance with the FCRA and other relevant statutes. Specifically, I request the following : Coordinate with XXXX XXXX : The XXXX XXXX account balance must be accurately reflected as XXXX, given that there is no outstanding balance on this account. 


Provide Written Response : I expect a written response regarding the results of the re-investigation and any actions taken to address this dispute within the timeline mandated by the FCRA and other relevant statutes. 


Remove Inaccurate Information : Should it be found that the reported balance is indeed incorrect, I request a prompt update of a XXXX balance be reported on my credit report. 


I also request updated copies of all my credit reports reflecting the corrected balance and the removal of any inaccuracies as a result of this dispute. 


Your immediate attention to this matter is crucial.

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 2023-08-10 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:
I am writing to formally dispute the inaccurate balance reporting on my credit report by XXXX XXXX. The account in question should have a XXXX balance, yet XXXX XXXX is reporting to all credit reporting agencies a balance and continues to report an incorrect balance. This inaccurate reporting negatively impacts my credit history and must be updated immediately to ensure the accuracy of all my credit reports, as mandated by the Fair Credit Reporting Act ( FCRA ) and other relevant statutes. 


I request a thorough re-investigation into this matter, adhering to the guidelines set forth by the FCRA and other applicable statutes. The following concerns highlight the inaccuracies in the current reporting : Failure to Reflect Correct Account Balance : XXXX XXXX is reporting a balance on the account, while the account balance should be XXXX. This inaccurate reporting is consistent across all credit reporting agencies and is damaging my credit history. It is essential to rectify this discrepancy promptly to ensure the accuracy of all my credit reports, as required by the FCRA and other relevant statutes. 


Non-Compliance with FCRA and Statutory Requirements : The inaccurate reporting by all credit reporting agencies, constitutes a violation of the FCRA and other applicable statutes, which mandate that credit reporting agencies report accurate and up-to-date information. It is evident that the reported balance is incorrect, and it is the responsibility of both XXXX XXXX and all credit reporting agencies to correct this mistake in a timely manner. 


I demand immediate action to rectify this situation, in compliance with the FCRA and other relevant statutes. Specifically, I request the following : Coordinate with XXXX XXXX : The XXXX XXXX account balance must be accurately reflected as XXXX, given that there is no outstanding balance on this account. 


Provide XXXX XXXX : I expect a written response regarding the results of the re-investigation and any actions taken to address this dispute within the timeline mandated by the FCRA and other relevant statutes. 


Remove Inaccurate Information : Should it be found that the reported balance is indeed incorrect, I request a prompt update of a XXXX balance be reported on my credit report. 


I also request updated copies of all my credit reports reflecting the corrected balance and the removal of any inaccuracies as a result of this dispute. 


Your immediate attention to this matter is crucial.

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 2023-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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 Name : XXXX XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-08-10 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: 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 Name : XXXX XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2023-08-10 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: MO

Complaint narrative:
Unauthorized application submitted to XXXX XXXX ( XXXX ) XXXX. Company was contacted and the fraudulent application was canceled. Despite confirmation that the application was the result of identity theft, XXXX XXXX and Equifax have declined multiple dispute requests and will not remove the inquiry from consumer 's credit file. FTC theft report has been filed and is attached. Notation of the inaccurate information reported by XXXX and Equifax is in the Statement section of the affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Recovery Management Solutions LLC
State: NY

Complaint narrative:
Debt collector, RMS LLC have been calling me repeatedly, harassing me and leaving messages by XXXX XXXX saying he is trying to resolve a matter with me. The following are the dates and times they called : XX/XX/23 at XXXX XXXX XX/XX/23 at XXXXXXXX XXXX XXXXXX/XX/23 at XXXX XXXX XXXXXX/XX/23 at XXXX XXXX, and XX/XX/23 at XXXX XXXX. They are attempting to collect a debt that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I sent them a cease and desist letter which they confirmed that they received in XXXX but they still contacted me after receiving the letter by sending me a letters on XX/XX/XXXX and XX/XX/XXXX which are FDCPA violations.

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 2023-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IL

Complaint narrative:
This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter.

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 2023-08-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IL

Complaint narrative:
Department of Education does not have my accurate payment count on their website. The website is missing payments made from XX/XX/XXXX to XX/XX/XXXX. I should have made my XXXX qualifying payments years ago. I have tried talking to Mohela and they have stated that there is nothing they can do. I have tried reaching out to XXXX XXXXXXXX XXXX and I can not reach an actual person. I contacted XXXX who used to be my loan servicer and they provided me with documentation proving I made payments during this period of time. Nothing has been done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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 Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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