vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-24 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: DE

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g

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 2022-05-24 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: EQUIFAX, INC.
State: DE

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
I was incarcerated and someone had my phone along with all my accounts in their possession. I filed a police report and Venmo is stating that since some transactions occurred more than 180 days ago there's nothing they can do and they suspended my account and I have a balance of XXXX dollars in there that im unable to use

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-24 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
Credit Acceptance Corporation calls repeatedly under different numbers. 

The Fair Debt Collection Practices Act says debt collectors cant harass, oppress, or abuse you or anyone they contact. 

Credit Acceptance Corporation has done all three under different numbers.

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 2022-05-24 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: AR

Complaint narrative:
On XX/XX/2022 I submitted my Identity Theft report through this website along with my identification. I will upload my complaint copy with my other documents. I also uploaded a notarized copy of my FTC Identity Theft report. The FCRA stated that is all I need and a statement acknowledging that the accounts resulted in identity theft and that I don't assume or accept responsibility. ! 5 USC 1681C-2 ( A ) The local police department also stated that as long as the Identity Theft report was notarized and has a report number from the Federal Trade Commission , that's all I need. The company has 4 days to block and delete the information. I received an email from one of the companies asking me to upload my information but the website will not allow me to upload my documents. I am uploading a copy of the email also. I am not able to pull my consumer report from this company. I asked for them to mail me an updated report and score and I haven't received it. Also I am acting on my own behalf. I keep getting told that it's not me.

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 2022-05-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
I am reaching out for the 2nd time to the CFPB for help in dealing with my mortgage servicing company, Freedom Mortgage. After months of dealing with this bank, making payments and always confirming details, I am now being blatantly lied to again. Back in XX/XX/XXXX, I received a permanent FHA streamline modification agreement from Freedom Mortgage dated XX/XX/XXXX. The agreement showed my deceased husbands name as the borrower and my name as the co-borrower. After the 1st complaint Freedom Mortgage resent me a new agreement on XX/XX/XXXX which I signed and notarized. The executed agreement was returning using the prepaid XXXX they included with the agreement. I am attaching the XXXX confirmation showing this was delivered to Freedom Mortgage on XX/XX/XXXX at XXXX am signed by XXXX XXXX I called Freedom Mortgage and confirmed the executed/notarized modification agreement was received and accepted. I was assured it was. The first modified payment was due XX/XX/XXXX. I made the modified payments for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX. All the payments were accepted. I then received a letter from Freedom Mortgage dated XX/XX/XXXX stating the permanent agreement mailed out XX/XX/XXXX was never received. Please see the attached Freedom Mortgage permanent agreement dated XX/XX/XXXX. I called Freedom Mortgage and they have no record or notes from any of my calls to Freedom Mortgage confirming the agreement was received and even though I have proof it was delivered, they insist it was never received. Now they are stating I owe almost {$30000.00} and my only option is to start all over again as I no longer qualify for a Covid19 FHA streamline modification. Now, I am facing foreclosure with my only option being to start all over again with this nightmare process. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: TX

Complaint narrative:
FCRA violations : payments never late XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1100.00} Status Closed. {$260.00} past due as of XX/XX/XXXX. 
XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.

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 2022-05-24 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: TX

Complaint narrative:
FCRA violations : payments never late XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1100.00} Status Closed. {$260.00} past due as of XX/XX/XXXX. 
XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account, XXXX XXXX # XXXX, XXXX XXXX XXXX, Dept of ED/XXXX  # XXXX, Dept of ED/XXXX  # XXXX, Dept of ED/XXXX  # XXXX, XXXX XXXX # XXXX has violated my rights 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 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 2022-05-24 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: GA

Complaint narrative:
I have aye ongoing on problem with Experian and XXXX, Also XXXX XXXX for not moving faster enough and getting the fraudulent accounts off quickly they took forever to process my mail that I sent in certified it took them three weeks to do and it arrived there in two days they have cost me great misery and aggression. Its has also at cost a financial burden.

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 2022-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
My wife and I have been in the market for a new home since XX/XX/XXXX. With credit scores of XXXX and XXXX we were able to secure financing easily at rates sub 4 %. During XX/XX/XXXX, XXXX XXXX mistakenly reported a missed payment on our personal loan, causing our scores to decline dramatically. On XX/XX/XXXX, XXXX XXXX informed us of the error and that they would be taking action to correct the mistake with all three credit bureaus. We notified our lender of the mistake and after re-running our credit we now have scores in the mid XXXX 's. We no longer qualify for a mortgage despite having significant cash reserves and having less than 3 months on completing the XXXX XXXX loan. As of XX/XX/XXXX, Experian has yet to correct the mistake on both of our credit reports. Since the error was 2 months ago and we have been making timely payments, our credit scores have improved but are no where near recovering to XX/XX/XXXX levels. We've contacted all of the credit reporting agencies regarding how a score is determined and were told our FICO scores, not Experian XXXX, could be what is preventing us from securing funding. We have requested a rapid rescore by Experian and FICO but they are unable to help with this despite receiving documentation acknowledging the error. We have suffered tremendously and are unfairly being penalized.

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 2022-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Scratch Services, Inc.
State: CA

Complaint narrative:
I took out a XXXX loan, we quality for 100 % forgiveness and I applied for that thru the XXXX XXXX but then our bank XXXX XXXX sold our account to Scratch, and they have sent notices of personal delivery at work in front of clients. We have already applied for forgiveness and it's not registering no matter what we do. Please help. We don't have the money as we kept on all our employees. I have submitted our taxes and everything required but they won't stop. XXXX won't help either

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act Credit Acceptance Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

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 2022-05-24 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: GA

Complaint narrative:
I have aye ongoing on problem with XXXX and XXXX, Also trans union for not moving faster enough and getting the fraudulent accounts off quickly they took forever to process my mail that I sent in certified it took them three weeks to do and it arrived there in two days they have cost me great misery and aggression. Its has also at cost a financial burden.

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 2022-05-24 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: GA

Complaint narrative:
I have aye ongoing on problem with XXXX and Equifax, Also XXXX XXXX for not moving faster enough and getting the fraudulent accounts off quickly they took forever to process my mail that I sent in certified it took them three weeks to do and it arrived there in two days they have cost me great misery and aggression. Its has also at cost a financial burden.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
American Credit Acceptance has not sent me a statement in over two years. After their first of two repos, they stopped sending anything and have locked my online account. All I can do is pay by phone and only can make what I assume I owe for the month. I have zero idea of my balance, if I have missed payments, nothing. I have been paying {$600.00} per month, while being charged a {$6.00} fee to pay. They keep sending emails about repo, even with payments made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: Experian Information Solutions Inc.
State: NY

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. 

XXXX Account number : XXXX 15 U.S.C 1681 section 602 A. states a consumer 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.

15 U.S.C 166 B : A creditor may not treat a payment on a credit card account under an open and consumer plan as late for any reason

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 2022-05-24 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: PA

Complaint narrative:
These accounts are fraud and need to be removed immediately. I am a victim of identity theft. Please remove the accounts listed in the FTC affidavit I didn't make these charges whatsoever! Please remove these as they are causing me harm & inconvenience as a consumer. I XXXX XXXX am making this complaint. Not a third party like you tried before.

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 2022-05-24 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: PA

Complaint narrative:
These accounts are fraud and need to be removed immediately. I am a victim of identity theft. Please remove the accounts listed in the FTC affidavit I didn't make these charges whatsoever! Please remove these as they are causing me harm & inconvenience as a consumer. I XXXX XXXX am making this complaint. Not a third party like you tried before.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX ran my credit without permission, I have written consent from the dealership stating they should not have run my credit and did not have authorization to do so. Regional acceptance corp is denying the request to take it off my credit even though I have shown proof they need to delete this inquiry. They are committing fraud at this point and need to be investigated.

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 2022-05-24 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: TX

Complaint narrative:
FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$990.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$16000.00} Status Open. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX 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 2022-05-24 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: TX

Complaint narrative:
FCRA violations : payments never late XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$990.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$16000.00} Status Open. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation