vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-08 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-06-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: GA

Complaint narrative:
I am currently working with HAF to help pay my mortgage. They told me that they would agree to pay whats is due on the account as long as it does not succeed {$50000.00}. HAF has been requesting paperwork from US BANK for months now and US BANK is not sending the required info through the correct portal. This isnt the first time I had a " paperwork issue '' with this mortgage company. prior to, we agreed on a loan modification agreement, I turned in the required paper work and made the first payment, and then out of no where they told me it was invalid even though I had both signatures required and made a first payment to that agreement that successfully went through. They did send me back the money I paid only after I told them what they were doing was illegal because we had already came to an agreement. Now they are basically refusing to send in the paperwork correctly in order for HAF to process payments because my home has alot of equity in it. They also put my home back on active foreclosure even though, they are the reason why this process is taking as long as it is because they have been sending the paperwork incorrectly. Please help me! HAF has agreed to pay what was owed plus 3 months. USBANK Mortgage has been trying to prevent me from receiving the help that is being offered through the HAF program the same way they refused the already signed, agreed, and payment after I made them aware that what they are doing is illegal.

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 2023-06-08 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: IL

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : Account name : XXXX XXXX XXXX Account number : XXXX Account name : DEPT OF EDUCATION/XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX, XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 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: IL

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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : Account name : XXXX XXXX XXXX Account number : XXXX Account name : DEPT OF EDUCATION/XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

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 2023-06-08 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I was trying to buy a house and I realizes that I had damage on my credit reporting according to the 15 USC 1681S-2 ( F ) reporting information during COVID-19 pandemic accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contact, or any assistance or relief granted to consumer who affected by the coronavirus disease 2019 ( COVID-19 ) pandemic during the covered period. Covered period ended on XX/XX/XXXX you have 120 days after XXXX XXXX. 

Please fully verify the information below. They have been marked as late. Please remove any inaccurate information from my credit report as quickly as possible. Here are the items that I am requesting a verification of Creditor Account # 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 REMOVE ALL EXTRA NAMES ON MY CREDIT REPORT MY NAME SHOULD READ XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I made an online order at macys.com on XX/XX/XXXX ( golden necklace, order # XXXX, total amount of the item with the tax and shipping is {$1800.00} ). The purchase was made with Macys credit card. Since it is an expensive item, I chose a paid shipping option, though the free shipping option was available. The order was shown on the XXXX tracking site as delivered on XX/XX/XXXX, but this order was never actually delivered. Macys shipped an expensive item without signature requirement. XXXX shows the package as left with the concierge on XX/XX/2023, but there is no concierge at the building. I informed Macys immediately regarding the missing order, they informed me that they started the investigation. 
On XX/XX/XXXX Macys Customer Service informed me via email that We do show your package is still on its way but was delayed unexpectedly. Please allow us up to 16 days to investigate the location of your order. You will receive an email of the outcome of the review once it has been processed. The email printout is attached. 
I never received the promised response with the outcome of the delayed item ; thus, I followed up and received the response that my request was denied. Ultimately, I am left with a credit card charge of {$1800.00} and I have never received the item. 
The timeframe for this case : XX/XX/2023 order placed on macys.com XX/XX/2023 XXXX shows order as delivered, left with the concierge. 
XX/XX/2023 I informed Macys on the issue via customer service chat. 
XX/XX/2023 I sent an email to Macys customer service, since I never received the response on the investigation that was started via Macys customer service chat. 
XX/XX/2023 Macys customer service sent me an email saying that the package is still on its way but was delayed unexpectedly. ( printout attached ). 
XX/XX/2023 Macys customer service sent me an email saying that the package is still on its way but was delayed unexpectedly. ( printout attached ). 
XX/XX/2023 I submitted a dispute on transaction with Macys credit card,- there is no answer and I assume there will be none since it is the same company XX/XX/2023 I sent an email to Macys customer service to follow up on the investigation. 
XX/XX/2023 - Macys informed me that my case was denied. 
XX/XX/2023 I tried to submit a claim on XXXX website for the non-delivered item, but XXXX informed that only the seller/shipper can submit a claim on that item. I have the printouts proving this, which I can share upon request.

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 monetary relief
Consumer complaint received 2023-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I want to delete these unauthorized inquiries 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 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 explanation
Consumer complaint received 2023-06-08 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: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX and associates listed {$790.00} delinquency report in XXXX, I disputed it in XX/XX/XXXX, they relisted it as being new in XX/XX/XXXX. They keep re-aging the account and marked it as a credit charge and it's a hospital bill that tenncare paid because I'm on XXXX. I complained to equifax about and have filed 22 disputes because the company is re aging the account that was paid and it lowered my credit report 47 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
My mortgage servicer is Mr. Cooper ( Nationstar ). 
the servicer failed to pay home insurance on time from the escrow account. 
the home insurance expired on XX/XX/2023. I called on XX/XX/XXXX to the servicer to confirm that the home insurance was indeed not paid on time and already lapsed. 
the renewing insurance amount is {$960.00}. 

I then contacted my insurance company ( XXXX XXXX ) to paid it out of my pocket in order to renew the insurance while my servicer attempt to figure out the disbursement of payment. 

couple of days later ( today, XX/XX/XXXX ) I checked the escrow account and noticed that two ( 2 ) payment of {$960.00} was made to XXXX XXXX. I called my servicer again to confirm that indeed the double payment was made. at this time the extra payment can not be cancelled but according to the servicer I will receive refund from insurance company and then have to deposit {$960.00} back into escrow account.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
On XX/XX/XXXX. Apparently, a company called XXXX XXXX XXXX served papers for a wage garnishment in the amount of {$1200.00}. They served it to the company 's Board of Directors in XXXX, Illinois via email ( XXXX ). I am in TN. Attached was a court order that has never been seen by me and the signature on it is unrecognizable to have accepted the order. I had my identity stolen in XXXX and have been fighting issues like this ever since. The Board of Directors in IL sent the paper to my company CFO ( XXXX ), also located in TN. No prior order was served in TN. The information on the order is stating the city I currently live in within TN. The Notary signature is in XXXX, TN. When I called the company after having received the order, I spoke to a man who was extremely rude, when I asked his name, it was still unclear, When I started asking Questions regarding the charges, he gave me a different dollar amount to be paid and spoke with a very strong Spanish accent almost not understandable. He continued to tell me that I could pay him {$1100.00} or I can just let the garnishment take the amount he stated prior. When I pointed out that the amount was different on the paperwork I had, he stated I would need to pay the interest. Really? The delivering company was called XXXX. out of Delaware. ( XXXX? sounding more and more like it ). 
Either way I would like for XXXX XXXX to stop this process and to stop harassing me. I have explained the identity theft and the information they are using for this pursuit is not true information. I have asked for proof ( exact ID 's, Social Security Card ( actual used ) and signature. In speaking to this man and I asked him information used to obtain this card, he gave me an address that I have not lived at in 9 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I had a hard inquiry on my accounts that I did not make on XX/XX/XXXX. Company phone # XXXX and it's no longer in service. I've had problems in the past before identity theft. I'm going to get XXXX XXXX tomorrow. I think they tried to get a card or a loan. That was denied. Company address is XXXX ( travel-entertainment ) XXXX XXXX XXXX XXXX Ohio 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 2023-06-08 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:
I am writing to file a complaint to TRANSUNION regarding the reported data on my credit file that is not certifiably compliant and proven valid and/or not documented as fully true and physically verified. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. My date of birth is XXXX, and the last XXXX digits of my social security number are XXXX. The FTC report number associated with this complaint is XXXX. 

I have identified likely mendacious and certainly unproven compliant reported inquiries on my credit file that have no permissible or authorization made by my person of free will. As a consumer, I am within my federal and state consumer and/or civil rights to demand and/or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151 that unambiguously obliges a recounted of the modus. This is a formal dispute of information and reporting.

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 2023-06-08 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: NY

Complaint narrative:
i am not liable for this debt with XXXX XXXX XXXX XXXX i do not have a contract with them they did not provide me with the original contract as requested i never had account with them i send certified letters to XXXX XXXX  and transunion no respone i ask them to verify this account rule 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 with my written instructions i dont have account with 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 2023-06-09 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  the following account names and numbers have violated my rights 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 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 : 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 2023-06-09 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX   the following account names and numbers have violated my rights XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 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 : 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 2023-06-08 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:
In accordance with the Fair Credit Reporting Act, the following account has violated my rights. 

XXXX XXXX XXXX 15 USC 1681 Section 604 A Section 2 : 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