vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Upon reviewing my XXXX, XXXX and TransUnion credit reports, I have identified information on my credit report that were not authorized. I'm a victim of Identity theft and this 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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I saw that I have an unauthorized credit inquiry

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The following accounts I wanted to be disputed are XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As a true identity theft/ Fraud Transunion has once again refused to remove these account and they are violating the California credit report act law and leaving them 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
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX placed delinquency on my 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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX placed delinquency on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XXXX XXXX  XX/XX/year> THIS INQUIRY IS FRAUD AND NEED REMOVE/DELETE PLEASE CHECK THIS PLEASE... 

15 USC 1681N- Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

15 USC 1681-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. the information is, in fact, inaccurate. 
Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 2024-04-19 00:00:00
Product: Credit reporting 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 am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I OBTAINED A COPY OF MY CREDIT REPORT AND NOTICED XXXX XXXXXXXX REPORTING INACCURATE LATE PAYMENTS/ PAYMENT HISTORY TO MY PROFILEXXXX, XX/XX/24, XX/XX/24. I HAVE NEVER BEEN LATE. 
I CONTACTED XXXX XXXXXXXX AND THE CREDIT REPORTING AGENCIES REQUESTING VALID PROOF INCLUDING TRANSACTIONS OF ME BEING LATE. XXXX XXXX AND THE CREDIT REPORTING AGENCIES FAILED TO FURNISH ANY VALID PROOF OF ME BEING LATE. 

INACCURATE LATE PAYMENTS BEING FURNISHED DUE TO COMPUTATION AND NOT BEING CORRECTED IS IN VIOLATION OF 15 USC 1666B ACCORDING TO 15 USC 1681 ( 2 ) AI EXCLUSIONS- A CONSUMERS EXPERIENCES AND TRANSACTIONS CAN NOT BE FURNISHED TO THE CONSUMERS PROFILE. 

IM AWARE OF XXXX XXXXXXXX FURNISHING INNACURATE INFORMATION TO CONSUMER 'S PROFILE THAT HAS RESULTED IN LEGAL ACTION. AFTER RESEARCH I HAVE BEEN AFFECTED BY THIS COMPANY 'S BAD PRACTICES.

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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I OBTAINED A COPY OF MY CREDIT REPORT AND NOTICED CAPITAL ONE REPORTING INACCURATE LATE PAYMENTS/ PAYMENT HISTORY TO MY PROFILEXXXX, XX/XX/year>, XX/XX/year>. I HAVE NEVER BEEN LATE. 
I CONTACTED CAPITAL ONE AND THE CREDIT REPORTING AGENCIES REQUESTING VALID PROOF INCLUDING TRANSACTIONS OF ME BEING LATE. CAPITAL ONE AND THE CREDIT REPORTING AGENCIES FAILED TO FURNISH ANY VALID PROOF OF ME BEING LATE. 

INACCURATE LATE PAYMENTS BEING FURNISHED DUE TO COMPUTATION AND NOT BEING CORRECTED IS IN VIOLATION OF 15 USC 1666B ACCORDING TO 15 USC 1681 ( 2 ) AI EXCLUSIONS- A CONSUMERS EXPERIENCES AND TRANSACTIONS CAN NOT BE FURNISHED TO THE CONSUMERS PROFILE. 

IM AWARE OF CAPITAL ONE FURNISHING INNACURATE INFORMATION TO CONSUMER 'S PROFILE THAT HAS RESULTED IN LEGAL ACTION. AFTER RESEARCH I HAVE BEEN AFFECTED BY THIS COMPANY 'S BAD PRACTICES.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After examining my credit report, I observed inaccuracies in the listed accounts.

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 2024-04-19 00:00:00
Product: Credit reporting 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:
I believe FCRA 605B tells us to delete any wrong accounts from my credit report. Can you check the papers? Some accounts listed have incorrect reporting, with inaccurate amounts and dates.

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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
My mortgage is through Truist Bank. My property was reassessed and as a result, I received a back-dated tax bill for the 2 years prior that reflected my current property value. I sent this tax bill into Truist so that it could be paid through my Escrow account. On XXXX, Truist shows that the amount of {$3000.00} was taken out of my Escrow to pay these tax bills. However, my taxing authority has never received these checks. Either they were sent to the wrong address or were lost in the mail. I have been calling Truist for 5 weeks to have them re-issue these checks and sent to the correct address. They keep telling me to keep waiting for them to be received but they have not taken my request seriously. I have requested call backs from management. Despite all of this, Truist has taken no action on my account and these tax bills are now past due. I should not be responsible for late fees because of a lack of action from Truist. I need these checks re-issued for {$3000.00} and sent to the following address : XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting 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 am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.

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 2024-04-19 00:00:00
Product: Credit reporting 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 am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.

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 2024-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) is a government agency tasked with protecting consumers in the financial marketplace. If your credit report indicates inaccurate addresses and accounts upon review, it's important to notify the CFPB promptly. Inaccurate information can affect your credit score and ability to obtain credit, loans, or even employment. By contacting the CFPB, you're taking proactive steps to correct any errors and safeguard your financial reputation. They can investigate the discrepancies and work with credit reporting agencies to rectify the inaccuracies, ensuring your credit report reflects correct and up-to-date information.

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 2024-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I contacted Transunion Credit Bureau on XX/XX/XXXX to advise I had filed a dispute with XXXX XXXX in relation to a recent XXXX item they reported. 

I think Transunion is sending the customer service for Americans offshore as someone sent me this spammy response email indicating they closed my dispute per my request. I did not request anyone to close this dispute. I requested the credit bureau to indicate correctly on the report that advised them this was a dispute. This company is engaging in fraud using my information for money and not providng proper customer service to resolve issues on behalf of consumers. The company did not verify or corroborate the XXXX  malpractice complaint related to this bill and a investigation thereof. 

This company is going down hill. They really need to 'Make It Great Again. ' and bring all the jobs back to the XXXX and pay people the right wages to do these jobs in the XXXX with people who understand the laws and rights of being an XXXX. 

TransUnion Consumer Solutions, XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian credit agency Despite having an account where I have frozen and unfrozen my reports Experian website no longer recognizes my birthday and social XXXX  so I am unable to login. Their automated answer system is not able to help ; I have spent XXXX  hours over XXXX days trying to contact a XXXX  agent.

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 2024-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Mr. Cooper Group Inc.
State: MO

Complaint narrative:
We are approaching the end of our mortgage payments, and have been working to our loan paid off, but yet Mr. Cooper has made XXXX errors in terms of processing and closing out our loan. 

- On XX/XX/XXXX our mortgage had a remaining principal balance of XXXX and XXXX statement lists the XXXX payment as XXXX XXXX On XXXX XXXX I requested a XXXX XXXX XXXX This XXXX XXXX XXXX took more than XXXX days to arrive in our inbox, at which point it was past the " XXXX XXXX Good Through Date '' of XX/XX/XXXX. 
- On XX/XX/XXXX, our regular of XXXX was auto-debited from our account. 
- However Mr. Cooper failed to apply any part of these funds. 
- On XX/XX/XXXX the full payment of XXXX was returned to us. 
- On XX/XX/XXXX Mr. Cooper added a XXXX Fee of XXXX and started pursuing collections, even though we had submitted a payment and they held it for XXXX  days without applying the funds. 
- On XX/XX/XXXX I requested another XXXX XXXX XXXX with a " XXXX Good Through Date '' of XX/XX/XXXX. 
- We received this XXXX XXXX XXXX in early XXXX ( still more than XXXX days from when it was requested ) - This statement listed a XXXX amount of XXXX which included the XXXX late fee that was assessed in XXXX. 
- On XX/XX/XXXX we sent a wire transfer in the exact amount of {$1300.00}, with an additional fee of {$45.00} added by our bank. 
- The funds were withdrawn from our account on the morning of the XXXX, but the payment did not appear on Mr. Cooper 's online portal until after XXXX on the XXXX. ( Contrary to their own paperwork that explained it should have been applied on the XXXX. ) - As of XX/XX/XXXX, Mr. Cooper has failed to apply the funds that were sent to them and has not moved the loan to being paid off, even though our quote was good through the XX/XX/XXXX. 
- As of XX/XX/XXXX, Mr. Cooper has drastically increased our estimated Pay Off amount to XXXX  and added another XXXX  in late fees, even though we have submitted payments to them on time.

Company response to consumer: Closed with explanation