vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-15 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
As of XXXX XXXX, Transunion has been reporting Unaccurate Unupdated Information from an XXXX account by the department of education TransUnion has have been continuing to report and identify on my credit report these late payments and debt accounts to Transunion. They have not stated that this debt has been sold to another company. In addition, they are also reporting an extreme and hindering late history. I have continuously disputed this matter only to receive more errors on my report. I spoke to the other credit bureaus and they have updated the information on the report. May some one please assist me in having this issue resolved. I want only factual information reported on my report. My account opened XXXX XXXX and was closed on XXXX XXXX. I do not owe them any debt or have outstanding late payments to this company 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 2023-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I have a promotional balance with Best Buy of XXXX $ that I had to pay by XX/XX/2023. I payed the promotional balance on my account on XX/XX/2023. I noticed that after that my account still had a promotional balance. Best Buy added the payment to the regular payments and not the promotional balance. I called Best Buy and they said they fixed this issue on XXXX that I wouldnt have a problem. I still was seeing a promotional balance on my online account and tried to fixed it before XX/XX/XXXX Best Buy said it was okay that they took care of it. XX/XX/XXXX came and now Best Buy is charging me XXXX interest for a promotional balance that I payed and the interst was not even supposed to be that high. I called Best Buy already talked to two supervisors one said they cant see my XXXX statement and he cant do nothing. The other supervisor said to pay XXXX $ more by XXXX and he removes it. I dont agree I just payed my promotional balance and want the interest charges removed from my account. Please fix it my credit will be affected and I will take action with the law to fix this injustice.

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 2023-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Forest Recovery Services LLC
State: FL

Complaint narrative:
I was unaware of an attempt to collect a debt until I was notified by the reporting credit bureau of such back around XX/XX/2023. I notified this Forest Recovery Servies LLC in writing on XX/XX/2023, and XXXX XXXX responded to my concern as you can read in the attachment. However, I never heard back from this XXXX XXXX nor 'did I from XXXX XXXX. I have attached the documents sent to the reporting credit bureau to remove the account and update their reporting. I have also attached the documents of communicating back and forth with Forest Recovery Services

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: REGIONS FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have a credit card with my Regions bank. I paid off the balance of that card on XX/XX/23 in the amount of {$9500.00}. I then get another bill of {$120.00} on XX/XX/23! I called them and they said this is a " trailing interest ''. 

Paying off a full amount is a huge deal, and then seeing more bill afterwards is just not right?!!!

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 2023-06-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
Onemain Financial told me I was approved for multiples loans, then after I gave them my info they denied me and sent my info to a bunch of subprime money lenders who want to give me 130 % APRs Now im being barraged by these scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: CO

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.

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 2023-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EdFinancial Services
State: SC

Complaint narrative:
I recently disputed student loans from my credit profile the loans are 8 years of age 15 U.S Code S 1679 states the credit bureaus must remove accurate, negative information from your credit report if its over 7 years old my rights has been violated as a citizen as the debt still remains on my profile

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I had reached out to Equifax on a daily basis to help get the incorrect SSN on my account resolved. They have been unhelpful and every time I submit a new case, I am told to submit the documents again because they do not have anything on file for me. As of XX/XX/14, I spoke with XXXX, Agent ID XXXX, and also a supervisor XXXX, agent ID XXXX. After this call, I was told to send the documents again, even though they have been sent previously online and physically by mail. After this call, they had deliberately disabled my ability to submit a dispute online regarding my SSN. I can dispute any other information on my file, but my ability to dispute my SSN has been disabled. This is deliberate and criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Mr. Coo-er is the worst mortgage services in this country. I have fought with them for years. You really need to investigate them. Its not just me everyone hates them I have had HAF the past year and it always get posted late. HAF told me Mr. cooper recurved my mortgage payment on XX/XX/XXXX and it still hasnt posted. This happens to everyone and I am over them. You messsge them and the same thing always gets said. We will escalate the situation and contact you after one business day. Of course they never respond. I am so over this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: CA

Complaint narrative:
I'M A VICTIM OF IDENTITY THEFT. THIS IS MY SECOND REQUEST FOR REMOVAL OF THE XXXX ACCOUNTS SEE ATTACHMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, Ga XXXX Dear Equifax, I am writing to request the removal of two missed payments from my credit report as per the rules of construction under 15 USC 1681 B Title Definitions.

I missed two payments on my XXXX Credit Card Account Number : XXXX on XX/XX/XXXX and XX/XX/XXXX. As per the terms of the agreement, these missed payments was reported to the credit bureaus, affecting my credit score and making it difficult for me to obtain credit in the future. 

However, I would like to draw your attention to the rules of construction under 15 USC 1681 B Title Definitions, which state that any information reported to the credit bureaus must be accurate, relevant, and substantiated. In the case of the missed payments.I believe that it does not meet these criteria, and as such, should be removed and brought to current. 

I would appreciate your prompt attention to this matter and your confirmation that the missed payments have been removed from my credit report. 


Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, Ga XXXX Dear, Equifax I am writing to request the removal of the unauthorized credit inquiries on my Equifax credit report listed below. My latest credit report shows a number of hard inquiries that I did not authorize. This information is inaccurate and needs to be removed immediately!! 

XXXX XXXX XXXX : XX/XX/2022 XXXX XXXX XXXX : XX/XX/2022 Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
None of these incidents was me, inaccurate information please remove.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of 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 2023-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
Back when homes were underwater during the real estate bubble time around 2005 I purchased my home, a couple years later I fell into foreclosure due to marital seperation and was struggling to make ends meet with a young child. What helped me was a hamp program I entered into I believe but am not sure was called the principal reduction act. 

With this program after 5 consecutive years of compliance with the program the 50k loan was forgiveable. My loan was transferred from XXXX XXXX aka XXXX to Rushmore Mortgage. For years all I have done is work and work. I thought I would now be able to request a Heloc loan or refinance to be able to get a small portion of the homes equity and open a XXXX XXXX XXXX XXXX  and when I tried to do so was denied by several lenders for having a second principal which was to my surprise I thought it was satisifed. ( See Satisfaction of Mortgage ). When I tried contacting Rushmore about it and provided supported documentation they told me they would be researching, then today I was told to resolve it with XXXX. Quite frankly I am exhausted of trying to put the effort to get someone to resolve this and really need some help with authority in making these folks correct there wording in a payoff and correct balances, and stop jeopardizing my future. I am sure I can not be the only one this has happened to. Attached is the XXXX evidence when it was paid on XXXX, Satisfaction of Mortgage, and also how it is currently reflected as a 2nd principal balance on a current payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK
State: NE

Complaint narrative:
I am being sued by Discover Bank for {$8400.00}, most of which I believe is interest and fees. I contracted with a debt consolidation company, XXXX XXXX a year ago, and they were supposed to at least contact my creditors and try to negotiate a settlement. Discover contacted me I explained that I was consolidating my debts with XXXX XXXX and gave them their information -- as I had been instructed by XXXX. I contacted XXXXand told them about the calls. Turns out they had not contacted Discover nor negotiated a settlement in the year since I went with XXXX. 
When I received the summons, I contacted XXXX, informed them of the summons and sent the information. Since I had a contract with their law firm ( XXXX XXXX XXXX ), I thought they would reply to the court. I was contacted a week later by XXXX and informed I would need to pay an additonal {$250.00} for them to reply. I thought legal services were included in the debt consolidation agreement. I can't afford it. 

So I have to reply to the summons myself. XXXX contacted me earlier this week, said they had contacted Discover and negotiated a settlement for 85 % of the debt. But I would have to immediately start paying {$700.00} a month instead of the {$340.00} a month I've paid for a year. I can't afford that! I have drafted a reply to the court myself, since it needs to be to the court by XXXX feel that if XXXX  had contacted Discover earlier, Discover might have been more willing to negotiate more. So I've got to go to court and I can't afford an attorney or anyone to represent me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: AZ

Complaint narrative:
I have names that don't belong to me and 1 account that is not mine and previous addresses that are not mine I have previously tried to dispute this and I got no respomse and I have the right to re dispute this and not have this rejected by the Credit bueraus and the CFPB

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 2023-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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, Transunion, and XXXX to reinvestigate these accounts : Account name : 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 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 2023-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: LA

Complaint narrative:
On some day in XXXX, one of my accounts was hacked and i had no knowledge of anything until I received an email and a phone call from one of my banks saying my account is being closed due to overdraft from a loan that they had no knowledge of & so did I. I immediately contacted the loan company and they werent helpful at all Ive submitted a police report 3 times & I am not getting anywhere. 

amount : XXXX account XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: NC

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2023-06-15 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: NV

Complaint narrative:
You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

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 2023-06-15 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I would like to have any items that you are furnishing deleted from your company 's database because you are reporting information inaccurately as well as incorrectly and without my written consent to do so which is actually labeled as Aggravated Identity Fraud and a violation of my rights which is punishable by state and federal law. 
All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: LCI Acquisition Inc.
State: GA

Complaint narrative:
I would like to have any items that you are furnishing deleted from your company 's database because you are reporting information inaccurately as well as incorrectly and without my written consent to do so which is actually labeled as Aggravated Identity Fraud and a violation of my rights which is punishable by state and federal law. 
All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

Company response to consumer: Closed with explanation