vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-18 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: NC

Complaint narrative:
In a accordance with the fair credit reporting act XXXX account # listed below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason 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 2022-07-18 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:
Multiple times I have requested to have every piece of information investigated and verified on this account ( XXXX XXXXXXXX ). ( XXXX XXXX XXXX XXXXXXXX ) According to the FCRA XXXX the term " investigative consumer report '' means a consumer report or portion thereof in which information of a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with other with whom he/she is acquainted or who may have knowledge concerning any such items of information. 

I have received responses that the account is verified, but how is that possible if every piece of info on this account is not reported accurately? Clearly, according to the law, a proper investigation has not been completed. According to the FCEA 15 USC 1681, everything has to be 100 % accurate. 

I have attached updated reports ( after being told that everything is verified/accurate ) showing that that is in fact not the case, things are still being reported inaccurately, so clearly a proper investigation was not completed. 

accounts : ( 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 2022-07-18 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:
Multiple times I have requested to have every piece of information investigated and verified on this account ( XXXX XXXXXXXX ). ( XXXX XXXX XXXX XXXXXXXX ) According to the FCRA XXXX the term " investigative consumer report '' means a consumer report or portion thereof in which information of a consumer 's character, general reputation, personal characteristics, or mo

de of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with other with whom he/she is acquainted or who may have knowledge concerning any such items of information. I have received responses that the account is verified, but how is that possible if every piece of info on this account is not reported accurately? Clearly, according to the law, a proper investigation has not been completed. According to the FCEA 15 USC 1681, everything has to be 100 % accurate. I have attached updated reports ( after being told that everything is verified/accurate ) showing that that is in fact not the case, things are still being reported inaccurately, so clearly a proper investigation w
as not completed. 

accounts : ( XXXX XXXX ). 
( XXXX XXXX XXXX  XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Receivables Performance Management, LLC
State: NJ

Complaint narrative:
Receivables Performance Management LLC notified me of a debt of XXXX $ that the original creditor denies, I then informed RPM on XX/XX/22 that I dispute the debt and to please provide verification of debt. as of XX/XX/22 they have failed to verify debt and have continued to send an attempt to collect the debt dated XX/XX/22

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 2022-07-18 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: ENOVA INTERNATIONAL, INC.
State: IL

Complaint narrative:
Several different places hit my report with the same stuff buy this is done by XXXX XXXX I know. She always runs my credit for cars and phones

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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, 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 2022-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgence Legal Group, PC
State: IL

Complaint narrative:
I had a credit card with XXXX bank and I went delinquent on the debt in XXXX cause I lost everything, which was my business and alot of my properties, my job in XXXX. this all happened when the economy went downhill. I was served with a judgement on this case but I was served with 2 judgements but on 2 different times, once in XXXX and once in XXXX. I have 2 judgements reporting on this case and the amount has increased by $ XXXX. I believe this debt was cancelled in XXXX by XXXX bank but last year in XXXX it was sold to a different collection agency by the name of Resurgence Legal Group XXXX  and they revived this judgement and now want to collect $ XXXX, when the original debt was $ XXXX. How is that possible? Can someone look into this because this doesnt make sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent XXXX, a request to remove my fraud alert from my credit report and they have not done it yet, which made me get denied credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent XXXX, a request to remove my fraud alert from my credit report and they have not done it yet, which made me get denied credit.

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 2022-07-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
I have communicated with UWM numerous times regarding the incorrect balance in my escrow account. The correct amount should be {$3000.00}. My most recent mortgage statement dated XX/XX/2022 reflects an escrow balance of {$2800.00}. The online system as of today, XX/XX/2022 reflects an escrow balance of {$2800.00} as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: LA

Complaint narrative:
My house received damage from Hurricane Ida. I spoke with PennyMac about my options and I was told that I could go into a disaster forbearance program and at the end I would be able to keep my interest rate and the payments would be placed at the end of the loan. During the process, I asked very specific questions about the program and the responses that I received were very vague. I recently completed the repairs on the property and spoke with PennyMac about coming off of the disaster forbearance program. I again asked specific questions about the next steps and was again met with what seemed to be intentionally vague answers. As short time later, I received a letter saying that PennyMac would be raising my interest rate to 5.60 %, despite everything else that I had been told by PennyMac representatives. I paid down my interest rate at closing to 2.25 % and now PennyMac appears to be trying to find a way to unfairly cost me more money.

If I had known that PennyMac was going to increase my interest rates so drastically, I would have never entered into the forbearance program. This seems like an intentionally deceptive practice by PennyMac. Every representative that I spoke to seemed to make every effort to be as evasive as possible as to the details of the program.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FactorTrust, Inc.
State: LA

Complaint narrative:
I, XXXX XXXX, a federally protected consumer, am submitting this complaint against Factor Trust , INC. Factor Trust has my personal information inaccurate and incorrect on my consumer report which is causing great stress. MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX. I do not have any other addresses and I Do not wish to disclose any other addresses. Unless Factor Trust can produce or present to me legally authorized evidence to retain, much less report, these addresses, I DEMAND THAT FACTOR TRUST DELETE THEM FROM MY CONSUMER REPORT. Otherwise, Factor Trust is infringing on my federally protected consumer rights. " XXXX XXXX XXXX XXXX, LA XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, LA XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX, AND XXXX XXXX XXXXXXXX XXXX XXXXXXXX, LA XXXX '' NEED TO BE DELETED. Factor Trust has no legal authority to retain these inaccurate addresses on my report, especially without my consent. ALL OF THE PHONE NUMBERS LISTED ARE INACCURATE AND I DO NOT WISH TO PROVIDE ANY TELEPHONE NUMBERS. I do NOT wish to disclose ANY EMPLOYERS, unless you can produce or present to me legally authorized and verifiable evidence to retain mush less report these employers. I DEMAND THAT THEY ARE DELETED FROM MY CONSUMER REPORT. THE FOLLOWING BANK ACCOUNT IN ATTACHED LETTER SHOULD ALSO BE REMOVED. THERE IS NO REASON MY NONPUBLIC PERSONAL INFORMATION SHOULD BE SHARED WITH ANY THIRD PARTIES. I DEMAND THESE INACCURACIES BE CORRECTED IMMEDIATELY BECAUSE THIS IS CAUSING ME PROBLEMS OBTAINING HOUSEHOLD GOODS, A PLACE OF RESIDENCE, TRANSPORTATION, AND STABILITY. Factor Trust is now liable for damages of {$1000.00} per violation for civil liability for willful noncompliance. this also includes any actual damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
i discovered on my XXXX report i have the following collection -Collection Agency -Collection Agency TRANSWORLD SYSTEMS INC Balance Date XX/XX/2022 Original Creditor Name XXXX XXXX XXXX {$200.00} TRANSWORLD SYSTEMS INC XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting Act : XXXX XXXX Account XXXX, XXXX XXXXXXXX XXXX XXXX Account XXXX, XXXX Account XXXX, XXXX  XXXX Account, XXXXXXXX XXXX XXXX  Account XXXX, XXXX XXXX Account XXXX, XXXX XXXX Account XXXX, US DEPT OF EDXXXX XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  XXXX  Account XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account 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 : 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 2022-07-18 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting Act : XXXX XXXX Account XXXX, XXXX XXXXXXXX XXXX XXXX Account XXXX, XXXX Account XXXX, XXXX XXXX Account, XXXXXXXX XXXX XXXX  Account XXXX, XXXX XXXX  Account XXXX, XXXX XXXX Account XXXX, US DEPT OF EDXXXX XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account 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 : Also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-07-18 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: OK

Complaint narrative:
15 U.S.C. 1681 ( a ) ( 4 ) states I have a right to privacy. 15 U.S.C. 1681b ( a ) ( 2 ) States a consumer reporting agency can not furnish an account without my written instructions. My rights to privacy is being violated by TransUnion.

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 2022-07-18 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: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
Hello I am submitting this complaint without error or influence of any third party agencies. Please see my attached documentation as it contains my 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 explanation
Consumer complaint received 2022-07-18 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: SC

Complaint narrative:
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1681 Section 602 A. State 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 2022-07-18 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: SC

Complaint narrative:
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1681 Section 602 A. State 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 2022-07-18 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: VA

Complaint narrative:
I have inquiries for a mortgage loan from some random source i have never heard of, from a XXXX XXXX I have never applied for a mortgage loan in my life.

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 2022-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One put a late payment on my credit report from 2017 that I was unaware of And will not remove it they never contacted me about the late payment I have sent several dispute letters to the office and the issue still havent been resolved Capital One is in violation of the law 15 us code 166b and 15 usc sec 16181i

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18 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:
Several different places hit my report with the same stuff buy this is done by XXXX XXXX I know. She always runs my credit for cars and phones

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 2022-07-18 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: Netspend Corporation
State: IL

Complaint narrative:
Several different places hit my report with the same stuff buy this is done by XXXX XXXX I know. She always runs my credit for cars and phones

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