vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-05 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: IL

Complaint narrative:
TransUnion, TransUnion LLC, TransUnion XXXX XXXX XXXX and TransUnion XXXX XXXX has been listing fake accounts and inquiries on my credit report that I have never authorized. They have been listing fake credit scores ( XXXX and XXXX ) on my credit report that has caused extreme harm to my financial reputation and has caused me to lose job opportunities with some of the greatest companies in the world. The fake information that has been reported to TransUnion, TransUnion LLC, TransUnion XXXX XXXX XXXX and TransUnion Consumer Services by these creditors is listed below : XXXX  - Account number XXXX, XXXX XXXX - Account number XXXXXXXX XXXX XXXX - Account number XXXX, INQUIRIES XXXX  / Inquiry date XX/XX/2023 I have requested contractual agreements from these so called creditors that bear my name saying I agreed to any terms and they have not produced and/or sent me any documentation, so how has TransUnion, TransUnion LLC, TransUnion XXXX XXXX XXXX and TransUnion Consumer Services been able to verify and validate that this fake information listed on my credit report is 100 % true and authentic?

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 2023-10-05 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: IL

Complaint narrative:
TransUnion, TransUnion LLC, TransUnion XXXX XXXX XXXX and TransUnion XXXX XXXX has been listing fake accounts and inquiries on my credit report that I have never authorized. They have been listing fake credit scores ( XXXX and XXXX ) on my credit report that has caused extreme harm to my financial reputation and has caused me to lose job opportunities with some of the greatest companies in the world. The fake information that has been reported to TransUnion, TransUnion LLC, TransUnion XXXX XXXX XXXX and TransUnion Consumer Services by these creditors is listed below : XXXX - Account number XXXX, XXXX XXXX - Account number XXXX, XXXX XXXX - Account number XXXX, INQUIRIES XXXX  / Inquiry date XX/XX/2023 I have requested contractual agreements from these so called creditors that bear my name saying I agreed to any terms and they have not produced and/or sent me any documentation, so how has TransUnion, TransUnion LLC, TransUnion XXXX XXXX XXXX and TransUnion Consumer Services been able to verify and validate that this fake information listed on my credit report is 100 % true and authentic?

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 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I fell behind on my mortgage payments in XXXX  due to many issues impacting my marriage and my finances. I put the house up for sale, then sold the house in XX/XX/2019. My broker and title company satisfied the outstanding amount on my loan to XXXX and XXXX. Since XXXX  I have been trying to rent and now I am trying to purchase a new house and the credit reporting agencies have my mortgage listed as charged off. In addition to that the mortgage company did not return my escrow payment to me, they sent it to the state of pennsylvania. I have been suffering trying to live a decent quality of life due to this. I have forwarded the closing documentation from my broker and title company to the old mortgage company XXXX, XXXX lending and they refuse to correct and update my records nor my credit reporting information. I have sent faxes to them at XXXX requesting updated information and I attached recording documentation proving I paid the mortgage off. My current potential mortgage adviser is impacted because they want to show that the mortgage was paid off and I can't do that because of the erroneous reporting from the old mortgage company. In addition to that my potential future interest rate has more than doubled due to this error. I am no longer seen as a responsible borrower to creditors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05 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've diligently pursued resolutions for the inclusion of these accounts on my credit report, which are entirely unrelated to me. Unfortunately, my multiple dispute submissions have not led to the removal of these erroneous accounts from my credit history. In addition, I've taken the initiative to file numerous reports with the FTC regarding these accounts, which do not have any rightful connection to me. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I am in the final stages of a loan modification. I drove to the corporate office in XXXX, California on Saturday XX/XX/XXXX because I had been unable to get anyone on the phone at Rushmore for Over Two Weeks. The only way they accept payment is by calling in to speak to an agent. I went to the corporate office to drop a check I have time-stamped pictures showing that I was there. 

When I logged in to see if the check was accepted my account says my loan was transferred to Rushmore Servicing XXXX. When I call Rushmore Servicing I only get a voice message that says my account is with XXXX XXXX but when I call XXXX XXXX they say they sold my loan in XXXX!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 

THIS IS A JOKE AND LENDERS SHOULD NOT BE ALLOWED TO OPERATE LIKE THIS! 
I NEED TO SPEAK TO A SUPERVISOR. 
I NEED CONFIRMATION OF MY XXXX PAYMENT I NEED TO KNOW WHERE TO SEND MY XXXX PAYMENT I NEED AN UPDATED STATEMENT AND I NEED COPIES OF THE ORIGINAL MORTGAGE CONTRACT! 
TODAY I CAN NOT WAIT ANYMORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: CORELOGIC INC
State: IL

Complaint narrative:
The below inquires are on my credit report. Im not familiar with these companies and I didnt give them permission to run my credit. 
XXXX Inquiry : XXXX. XXXXXXXX XXXX + Miscellaneous Reptg. Agencies XXXX  XXXX XXXX : XXXX. XXXXXXXX XXXX + Miscellaneous Reptg. 
XXXX XXXX XXXX : XXXX. XXXXXXXX XXXX  + Miscellaneous

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 2023-10-05 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
FTC Report Number : XXXX Credit Card Opened by the Thief Company or Organization : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Total Fraudulent Amount : {$80.00} Employment Obtained by the XXXX XXXX or Organization : the company Date Fraud Begin : XX/XX/XXXX Fraudulent Government Benefits Company or Organization : Term Life Insurance Date Fraud Begin : XX/XX/XXXX Fraudulent Checking or Savings Account Company or Organization : Self-help Federal Credit Union Date Fraud Begin XXXX XX/XX/XXXX Total Fraudulent Amount : {$5000.00} Fraudulent Criminal Charges Date Fraud Begin : XX/XX/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 2023-10-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: VA

Complaint narrative:
Im trying to reach Nelnet to manage my loan repayment plan since they are asking for a payment after the XXXX freeze. I need to work with them directly on this since I have an income driven repayment plan, and have XXXX income at the moment. 

However, I cant reach them and am currently on hold for XXXX and a half hours to no avail. This doesnt seem like proper business practices whatsoever. A quick search on XXXX showed me that this is a rampant problem, and once you do reach a representative, they supply inaccurate information that cause major problems down the line. 

Im sure this issue will continue to progress. Thanks for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I opened up a higher APY savings account at Citizens Access. Money went into the account from XXXX XXXXXXXX XXXX without issue. Money is sitting in the Citizens Account, but this bank will not issue debit card or give me online access to move it. I called them and was told they would initiate a transfer in XXXX business days to the originating account. I suspect this will not happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v.
Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I was doing a routine check on my credit score and came across credit inquiries that were not made by me.

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 2023-10-05 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I was doing a routine check on my credit score and came across credit inquiries that were not made by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I was doing a routine check on my credit score and came across credit inquiries that were not made by me.

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 2023-10-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MARINER FINANCE, LLC
State: NJ

Complaint narrative:
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information Mariner Finance illegally reported my information to unaffiliated 3rd parties without giving me my disclosures. 

Pursuant 15 USC 6802 they are required by law to give me 3 disclosures. I checked all documents given to me from Mariner Finance and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). 

( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I am requesting all above disclosures required by Federal. 

I demand that this account XXXX ( along with all transactions and experiences ) be deleted from my consumer report as a result of Mariner Finances illegal activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
XX/XX/XXXX In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2023-10-05 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: Experian Information Solutions Inc.
State: SC

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.

Has violated my rights. Or list of inquiries 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.

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 2023-10-05 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: MI

Complaint narrative:
Inquires were placed on my credit reports that I did not complete

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 2023-10-05 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: MI

Complaint narrative:
Inquires were placed on my credit reports that I did not complete

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Inquires were placed on my credit reports that I did not complete

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 2023-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Ive been a Wells Fargo customer for a while now and typically only use the account for small purchases. I occasionally only check transaction history for errors every XXXX days. When I went over my account transactions recently I noticed a few transactions I didnt make for example there was a few transactions to a XXXX XXXX name I didnt authorize along with a limousine and XXXX XXXX booking . Those are just to name a few but I made the dispute with the bank only for them to not resolve the matter and close the dispute I had opened with them.

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 2023-10-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I have the misfortune of working with NELNET as my student loan serviced, and I have not been able to view any statement that they claim to have made available on their website ( download link is broken and redirects me to home page ) I have been on hold with customer service for over an hour and a half now and call my loans say they are not due to start making payments again until next year, despite the loan forbearance being overturned a few months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I received a copy of my credit report and found the following itemsto be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself.

Company response to consumer: Closed with non-monetary relief