vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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: Trouble during payment process — Private mortgage insurance (PMI)
Company: RoundPoint Mortgage Servicing LLC
State: NC

Complaint narrative:
My XXXX XXXX was sold to Roundpoint Mortgage ( not sure when because I was never informed it was being or had been sold. ) We were not aware that the loan had been sold. We received ZERO communication from XXXX or Roundpoint. We made our XXXX payment to XXXX on XX/XX/XXXX and the payment was accepted. We made our XXXX payment to XXXX on XX/XX/XXXX and the payment was accepted. Unbeknownst to us, the payment was then reversed and put back into the account on XX/XX/XXXX, XXXX weeks later. Roundpoint then sent their FIRST communication to us on XX/XX/XXXX informing us that they were the new lender and we were late on our payment. We immediately called Roundpoint to inform them that the payment was accepted by XXXX. When the payment was reversed XX/XX/XXXX, we immediately paid the XXXX to Roundpoint. Roundpoint reported the account delinquent to credit agencies and assured me it would be removed and my credit would not be affected. We requested PMI to be removed on XX/XX/XXXX. Roundpoint informed me that we had to email them the request and complete a form, which I did. I received a response TODAY ( but dated XX/XX/XXXX ) informing us that the PMI removal was denied because " The mortgage loan does not meet payment history requirements, meaning one or more payments have been 60 or more days past due within 24 months or 30 or more days past due within 12 months of the date we received your request for cancellation. '' I called Roundpoint on XX/XX/XXXX to clarify that we had NOT been late on any payment and that every payment had been made on time. Roundpoint acknowledged that we were unaware of the change in the mortgage lender and could see that we immediately made the payment directly to them when we were made aware of the change. They said that they can not change their records and that we would be forced to pay PMI for another 6 months based on their INCORRECT records. They said that they are not able to edit their records regardless of the reason. This ENTIRE problem stems from banks constantly buying and selling loans and not properly informing their clients. XXXX never ONCE reached out to let me know the payment was being reversed. Roundpoint NEVER reached out until a payment was flagged late. I should NOT have to continue to pay PMI when my payments have remained current and because Roundpoint system 's do not allow edits. That should not be at the expense of the consumer. I feel this was done intentionally.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
TransUnion is reporting a account that the company has already agreed to remove back in XXXX. This is a complete invasion and disregard for the consumer privacy under the Privacy Act of 1974 5 USC 552a. And is a disregard for the expressed CONTRACT already established by the Consumer and the person reporting the information ( a copy of the cfpb complaint place on credit collection service is attached. I shouldn't Have to complain to the CFPB for Transunion and its employees to do the job/ role they assumed. The Credit Collection Service Account being reporting by Transunion goes against The Fair Credit Reporting Act as well, and it seems TransUnion and its employees want to make up their own rules when it comes to a CONSUMER report, 15 USC 1692a ( 2 ) ( A ) ( i ) transaction history DOESNT belong on a CONSUMER report a copy of that will be attached as well since you seem to not understand it. As I'm sure you are aware of the 16 CFR 313.7 ( f ), I have a federally protected right to opt out of you reporting information at any time and it continuous, I'm expecting not more that 2 days for this to be off of my consumer reporting, DELETED!!! As it should have already been. One of the principles of EQUITY is : Equity recognizes what should have been done as already done!

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
On XX/XX/2024, I noticed that my credit report was full of inaccuracies. The personal information on all reports were inaccurate, they were full of wrong addresses, dates and accounts that were supposed to be closed were listed as open. I sent certified letters to all three bureaus on XXXX XXXX, and they were delivered by XXXX XXXX. I waited the 30 days to for them to reach out with a response to no avail. I called back after 50 days for the reporting agencies to act like they didn't receive my request for updates and deletion of incorrect information. They also wanted me to start a new dispute over the phone when they clearly disregarded the certified letters I sent. After I spoke with Transunion, they removed XXXX XXXX XXXX as it was reporting incorrect information. However, after a week the company reinserted the negative information on my account without verifying anything. Which to my knowledge is against the law, they didn't even respond to my request for the info I requested. It has now been over 105 days and the credit bureaus still haven't sent me any report of an investigation. These inaccuracies are harming my livelihood on a daily basis. I run a business and can't get credit, purchase a vehicle or qualify for loans or bank accounts due to this ongoing problem! I need your help Please!

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: NC

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. USCB 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 : It also states a consumer reporting agency can not furnish a account without 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 then records of convictions of crimes which antedates the report by more then 7 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. These are Fraudulent accounts and need to be removed from my Credit Report.

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: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have a balance transfer of {$36000.00} to be paid over 12 months. 0 interest I also have statement charges that are being paid in full The bank is bulking these charges and precharging me interest for the balance transfer although I have 12 months. 

The deal is 0 interest for the first 12 months The statement balance is also being paid in full

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 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: PA

Complaint narrative:
I believe FCRA 605B mandates the removal of any wrong accounts from my credit report. Could you check the documents? Some listed accounts have inaccuracies in reporting amounts and dates.

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: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
Rushmore Services which holds my Mortgage has been paying my Homeowners ins and I have already switched the payment to me paying my self rather then the mortage Co.

I sent them back a check for {$1000.00} which was the money they paid to My Ins company..

I sent back a check to them because im paying the Ins myself rather the having them pay it.

Now I'm getting a run around, they received my check which should be applied to them for paying the inc. I want that money applied to reduce my monthy mortgage payment. Instead they are returning the money to me.

I also had this issue with them a number of months age when I gave back the premium I received from my Ins company. 
I want the {$1000.00} aplied to my acct and reduce my monthly mortage payment. 

XXXX XXXX

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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I pulled my credit report and noticed unauthorized inquires in my report. I would like for theses inquires to be removed as I did not authorize these companies to run my credit.

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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


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 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

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 — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have sent three certified letters to Midland Credit Management Inc, requesting signatory or contractual proof of my debt ownership. I have corresponded three times with XXXX XXXX regarding a XXXX credit account that has mistakenly been recorded on my credit reports. Each time I request information I get a copy of a monthly billing statement that is not proof of debt ownership nor is it what I have been asking for. XXXX XXXX has yet to provide any evidence but in each identical for letter states, ( 'After reviewing the information you provided, our account notes and information provided by the previous creditor, we have concluded that our information is accurate. ' ) Apparently, XXXX XXXX has access to information that legally proves that I am the rightful owner of the debt in question, however she has yet to provide me with a single bit of information or proof. I do not believe that Midland Credit Management Inc has any proof that this debt belongs to me and that they are damaging my credit and good name with no evidence. This company is basically blackmailing me with my credit scores and my reputation. 
On XX/XX/2024 I filed a lawsuit with a small claims court here in my home state of Texas. I will continue to use every option at my disposal to get me credit and good name back.

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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
As a Federal Protected Consumer, I am writing to XXXX AND BY EXTENSION TO XXXX AND TRANSUNION to remove all personal private information and inaccurate account information from my credit report EFFECTIVE IMMEDIATELY. 

ENFORCEMENT- PURSUANT TO XXXX XXXX XXXX - ( a ) IN GENERAL Subject to subtitle B of the Consumer Financial Protection Act of XXXX [ XXXX U.S.C XXXX XXXX et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the XXXX XXXX XXXX XXXX XXXX, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law. Criminal liability for willful violations. - XXXX XXXX XXXX Pursuant to the Fair Credit Reporting Act ( FCRA ), I hereby revoke all Authorization, I the creator/ consumer may have given you knowingly or unknowingly, written, or unwritten, verbal, or non- verbal and therefore opt out of reporting the following information per XXXX XXXX XXXX. 
I also opt out pursuant to XXXX XXXX XXXX, XXXX XXXX XXXX ( b ) ( XXXX ), THE PRIVACY ACT OF XXXX and XXXX which clearly states f ) Continuing right to opt out. A consumer XXXX exercise the right to opt out at any time. 
Under XXXX - A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically. 

XXXX ) CHARGE OFF - Any charge-off is a XXXX of Indebtedness and therefore considered income and income can not be reported. See XXXX, XXXX XXXX XXXX - XXXX : XXXX. 
XXXX ) Pursuant to XXXX XXXX XXXX is the policy of the XXXX that XXXX financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non-public information. 
ALL TRANSACTION HISTORY MUST BE DELTED FROM REPORT BECAUSE IT IS ILLEGAL TO REPORT ANY TRANSACTION HISTORY. THEREFORE, ALL ACCOUNT BALANCES MUST BE UPDATED TO READ PAID IN FULL, PAID AS AGREED. 
XXXX ) All Hard Inquiries must be removed as they are NOT open accounts and should be removed per XXXX XXXX XXXX, THE PRIVACY ACT OF XXXX & XXXX XXXX XXXX ( b ) - Permissible purposes. I also opt out of reporting all soft/ hard inquiries under XXXX and further exercise my right to deletion. 
XXXX ) All duplicate names and misspelled names must be removed. All non-mailable addresses must be deleted.

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: Improper use of your report — Reporting company used your report improperly
Company: I.C. System, Inc.
State: PA

Complaint narrative:
I C SYSTEM XXXX has fraudulently placed an account on my credit report. I never had any contract with this company nor have I given permission to put anything 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 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: PA

Complaint narrative:
FCRA XXXX, I think, says we must delete any wrong accounts from my credit report. Can you check the documents? Some accounts listed have wrong amounts and dates in their reports.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : 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 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 non-monetary relief