vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-05 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: TX

Complaint narrative:
1.Account Name XXXX XXXX  XXXX Account Number : XXXX Amount 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 2022-07-05 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: TX

Complaint narrative:
1.Account Name : XXXX  XXXX Account Number : XXXX Amount 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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.

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 2022-07-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
While being a customer of XXXX years I have tried my best to get my late payment removed because during the time I had XXXX and I also was struggling financially. I have reached out numerous times to contact a representative to see if I can get a deferment and was denied the option that they allowed customers to use if they experienced any problems with XXXX but instead I was denied. Even after contacting those that are part of the financial team or even the members that represent this company all they could say was they reported it accurate and not even understand why I had one late payment hat I even paid for once I was able to get myself together. The amount was {$130.00} and was credited as late as of XX/XX/2022. These were the actions that I had taken, to reach out numerous times to explain my situation and a goodwill letter after the fact of me paying. I don't want to dispute it but rather the mark be removed due to the situation I was going through at the moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: TX

Complaint narrative:
THIS IS NOT a request for verification or validation of debt. This is a NOTICE & DEMAND to TRANSUNION that the listed institutions ATTACHED in the notice have not conformed and are currently reporting in non-compliance with the following Gramm Leach Bliley Act. I never received the required Privacy Notices from these corporations that XXXX is reporting on my consumer report. By publishing these non-compliant account ( s ) on my credit profile and distributing them to 3rd parties you are INTENTIONALLY DAMAGING my reputation, are infringing on my unalienable rights to privacy and damaging my credit worthiness. 

Also, I did not give any " credit bureau '' corporation permission to report any late payments and negative items to my report. TRANSUNION is a third party corporation and I did not give TRANSUNION permission or authority to use or communicate my information with any third parties under USC 1692c ( a ). TRANSUNION assembled a consumer report without my authority this is identity theft.

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 2022-07-05 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: TX

Complaint narrative:
THIS IS NOT a request for verification or validation of debt. This is a NOTICE & DEMAND to TRANSUNION that the listed institutions ATTACHED in the notice have not conformed and are currently reporting in non-compliance with the following Gramm Leach Bliley Act. I never received the required Privacy Notices from these corporations that XXXX is reporting on my consumer report. By publishing these non-compliant account ( s ) on my credit profile and distributing them to 3rd parties you are INTENTIONALLY DAMAGING my reputation, are infringing on my unalienable rights to privacy and damaging my credit worthiness.

Also, I did not give any " credit bureau '' corporation permission to report any late payments and negative items to my report. TRANSUNION is a third party corporation and I did not give TRANSUNION permission or authority to use or communicate my information with any third parties under USC 1692c ( a ). TRANSUNION assembled a consumer report without my authority this is identity theft.

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 2022-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I previously filed a complaint against Ad Astra Recovery services through CFPB ( XXXX ). Part of their response was : 1. ) " Within five days of receiving the account, a validation letter was mailed to the address we had on file from our client. '' 2. ) " Following a review of the consumers complaint, Ad Astra could not find any instance of failing to provide validation to the consumer. '' 3. ) " Our client has since confirmed the ACCURACY of the information and the amount owed for the account. We have researched our records and the current records of our client and determined that there is NO INCONSISTENCY with the data we are reporting to the credit reporting agencies. '' Unfortunately, I have looked at my latest reports from XXXX and XXXX, and found that inaccuracies and inconsistencies are being reported on my credit by Ad Astra : 1. Ad Astra Recovery is still reporting two different " Dates Last Active '' to XXXX and to XXXX. 
2. Ad Astra Recovery is reporting two different " Dates Opened '' to XXXX and to XXXX. 
3. Ad Astra Recovery is not reporting a past due amount, credit limit, No. of months ( term ), Date of last payment, or monthly payment.

Ad Astra has an obligation under the FCRA 's " furnisher rule '' to not report information they believe to be untrue or inaccurate or that they've been told is untrue or inaccurate. These inaccuracies and inconsistencies have led me to believe that Ad Astra has NOT researched and verified this account in violation of my rights.

Needless to say, their willful and continued disregard for the law has caused me damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Home American Mortgage Corp
State: CA

Complaint narrative:
To whom it may concern : On XX/XX/2022 A loan officer name XXXX XXXX working under the company Home American Mortgage company emailed me with a subject on all Capital letter and bold letters to lock my loan. He didn't even send me a breakdown of numbers how much my monthly mortgage, and other expenses involved. There's no documentation, no explanation, and I didn't even get a chance to ask questions about any type of loan, if I can buy some points just to lower down the interest rate. He just want me to close my loan or lock my rate. I was on vacation at that time and I felt he rush me to lock the rate even if I already told him I am currently on vacation. He still keep bugging me, calling me at night and texting me without asking what will be the best time to call you.I will attached a copy of the email down below. 

On XX/XX/2022, same loan officer XXXX XXXX called me to lock my loan, same situation happened, he wants me to lock my rate without any explanation, he didn't give a chance to ask questions about any type of loan, if I can buy some points, he doesn't provide any documentation of loan estimates what are the breakdowns that includes on the loan, he said he can't send me those until i lock my rate, which is not true because I talked to other loan officer and they would give me all the breakdowns and explain each pages, the content of the documents, on what to expect, guide me through the process of picking the right and best rate for a client. He started raising his voice when I tried to asked questions and he's been refusing to provide me the documentation on the breakdowns of my monthly mortgage. He even verbally told me that " I will be paying XXXX grand on your closing cost ''! He treated me unprofessionally just because you will be paying a certain percentage towards on my closing cost, you have the right to tell me right into my face. This is there offer being an in house lender on XXXX XXXX XXXX. He would pressure me and rush me to lock the rate and would give me a little amount of time to respond and would say, you only have two hours to respond to this offer because this will go away. He is very arrogant, rude and unprofessional. I am looking for a loan officer that can help me guide through the process, explain every detail, give their client the freedom to ask questions and treat his/her client in a professional manner. 

I emailed the manager and CC the Vice President regarding this issue. 

Hoping for your prompt consideration on this matter. 

Thank you.

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 2022-07-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MORTGAGE SOLUTIONS OF COLORADO
State: AL

Complaint narrative:
Our loan was sold to XXXX XXXX by mortgage solutions of Colorado. However we werent told who to make payments too until XXXX and the loan was sold in XXXX. As soon as I found out who to make the payments too I sent both payments at one time to catch it up. Now it is showing on my credit as late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 an 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 2022-07-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 an 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 2022-07-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
1.Account Name : rent XXXX XXXX Account Number : XXXX Amount : 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 2022-07-05 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 XXXX XXXX I, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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:
In accordance with the Fair Credit Reporting Act 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
On XX/XX/2022 closing attorney requested partial payoff and release from a portfolio loan. Mortgage company - Select Portfolio Servicing submitted a payoff figure for the full amount of the loan - not the partial as per the loan documents - page 45, section 25. This is holding up our closing and funds dispersal. Select Portfolio Servicing, Inc. XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: TX

Complaint narrative:
THIS IS NOT a request for verification or validation of debt. This is a NOTICE & DEMAND to TRANSUNION that the listed institutions ATTACHED in the notice have not conformed and are currently reporting in non-compliance with the following XXXX XXXX XXXX XXXX. I never received the required Privacy Notices from these corporations that XXXX is reporting on my consumer report. By publishing these non-compliant account ( XXXX ) on my credit profile and distributing them to 3rd parties you are INTENTIONALLY DAMAGING my reputation, are infringing on my unalienable rights to privacy and damaging my credit worthiness. 

Also, I did not give any " credit bureau '' corporation permission to report any late payments and negative items to my report. TRANSUNION is a third party corporation and I did not give TRANSUNION permission or authority to use or communicate my information with any third parties under XXXX XXXX ( a ). TRANSUNION assembled a consumer report without my authority this is identity theft.

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 2022-07-05 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: PA

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  has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-05 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting acXXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
To whom this may concern! 

Has putting out a pervious case regarding this same issue COMPLAINT ID XXXX I was told in written form which was attached to this case! 

That Experian will be removing fraudulent inquires from my report however a pond checking my updated credit report this information still remains on there which the inquiries they were suppose to remove are XXXX XXXX XXXX  XXXX So I will like to have this resolve immediately and removed from my credit report as requested Thanks in advance for your prompt attention to this matter. Sincerely, 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 2022-07-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I HAVE CONTACTED THIS COMPANY MULTIPLE TIMES REGARDING THIS MISREPORTING ACCOUNT. THIS ACCOUNT DOES NOT BELONG TO ME AND IS FRAUDULENT.

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 2022-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Frontline Asset Strategies, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a missed call from an unrecognized number. I called the number back at XXXX in which stated Frontline Asset Strategies. I spoke to someone in why I explained that I did not owe this debt to them. Upon the first contact that I have had with them on XX/XX/XXXX, I informed the representative that I had not received any written notice in regards to such debt and the call was disconnected. As of today XX/XX/XXXX, they have been calling repeatedly I did not receive written notification within the 5 days as per my rights under the Fair Debt Collection Practices Act. I sent them a letter today by Certified Mail Return Receipt informing of this and instructing them that I will seek legal compensation for violating my rights unless collection attempts are terminated for violating the laws to allow a consumer to validate weather the debt is valid!

Company response to consumer: Closed with explanation