vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXXXXXX XXXX XXXX is reporting a late payment on my credit reports for XX/XX/2022. I spoke with a supervisor on XX/XX/2022 ( Ticket # : XXXX ) and was told the late payment would be removed from my reports, however, this never happened. Additionally, according to the CARES act " If your account is already delinquent and you make an agreement, and you bring your account current, the creditor must report that you are current on your loan or account. '' XXXX XXXX  made an arrangement with me - and per the above, this late payment must be removed from my 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 2022-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX is reporting a late payment on my credit reports for XX/XX/2022. I spoke with a supervisor on XX/XX/2022 ( Ticket # : XXXX ) and was told the late payment would be removed from my reports, however, this never happened. Additionally, according to the CARES act " If your account is already delinquent and you make an agreement, and you bring your account current, the creditor must report that you are current on your loan or account. '' XXXX XXXX  made an arrangement with me - and per the above, this late payment must be removed from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX  has repeatedly - 8 times- attempted to open a fraudulent line of credit in my name AFTER they have been contacted by me and told this was an issue of identity theft and I have filed complaints against them. Their only response is to tell me to keep my credit report frozen on all three bureaus. They are doing nothing to address the issue. Each attempt is a hard hit on my credit. Thankfully I have a fraud warning so these attempts get rejected but I still have to address it each time they attempt to open an account.

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 2022-07-08 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX 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 explanation
Consumer complaint received 2022-07-08 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 XXXX 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 XXXX 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 XXXXXXXX XXXX n cant provide to my XXXX XXXX XXXX  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 2022-07-08 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: 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 XXXX 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 XXXX 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 XXXX XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
US DEPT OF EDXXXX ACCOUNT XXXX XXXX EXPERIAN XXXX The above creditor and Credit Reporting Bureaus are in direct violation of my consumer rights.

The creditor and credit reporting bureaus is violating the CARES Act, signed into law on XX/XX/2020 and is reporting debt and debt balance on my credit profile. 

Creditor is reporting interest charges on debt. - This violates the CARES Act in which no interest on loan, default, or deferred may be added to original loan. 

Experian and XXXX is violation of FCRA Fair Credit Reporting Act 15 US Code 1681 and did NOT VERIFY disputes sent on XX/XX/2020 or UPDATE my Credit Report. ( Negligenct and Willful Noncompliance with the law ) and 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. I did not authorize creditor nor Credit Reporting agency written permission to report my personal information.

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 2022-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
To Whom it May Concern : My complaint is in regard to Experian and there inaccurate reporting and incomplete investigation of my dispute. Initially, I thought my issue was with XXXX. However, after writing XXXX and speaking with their legal department, they informed me that they indeed were reporting my payment history accurately and advised me to open a dispute with Experian to have it corrected. I had thought all this time that I had missed a payment! But I know that my payments were set up to autopay. In that moment, I realized that they had opened and closed my dispute with no real investigation. I went to check how the late payment was reporting on the other two reports through my Experian account and to my surprise, there was no late payment on XXXX and XXXX. XXXX had responded correctly that they had reported it accurately. Experian is the only agency reporting the information incorrectly after opening and closing my dispute as quickly as possible and with no resolution. This negligence has inconveniently negatively impacted my credit score in challenging time in our country, where having access to credit can make or break you and all you hold dear.

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 2022-07-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
On XX/XX/2022 I submitted a loss mitigation package to Freedom Mortgage. I was informed on XX/XX/XXXX that the package was missing a copy of my taxes and paystubs for my husband. I called Freedom and explained that the taxes were filed and mailed to the IRS in XXXX and we my husband did not have paystubs because he is self-employed as an XXXX. I was then told to send in IRS form F4506 and my husband 's bank statements showing deposits from work that he'd done. We resubmitted the requested information on XX/XX/XXXX. I called a month later on XX/XX/XXXX, and was informed the loss mitigation case was closed because they needed my husband 's paystubs. I explained to the agent again that my husband is self employed and there is no way to get a paystub and there is absolutely no mention of paystubs for self employed people on their list of documents. My husband also called on that day and spoke with an agent who told them that the package should have never been closed and it was going to be reopened he was told to send over his bank statements and a signed F4506 by XX/XX/2022. We also received a letter with this same information. On XX/XX/2022 we resubmitted and completely new package since the old one was dated XX/XX/2022. I never received any communication from Freedom until I called on XX/XX/2022 to check the status and I was told that the package was with the underwriter for final approval and there was nothing else I needed to do. On XX/XX/XXXX, I received a letter from Freedom demanding the entire past due balance by XX/XX/XXXX. I call Freedom to find out when they sent an denial letter for the XX/XX/XXXX application and they said the " denial was issued in XXXX ' '' What about my XX/XX/XXXX application? So I was told to submit yet another package and we did on XX/XX/XXXX, with all of the requested information, including the tax return and the profit loss statement. I reached out to Freedom on XX/XX/2022 after receiving a letter from a XXXX attorney. I was informed that once again, my package was on hold until they received my husband 's paystubs. I reiterated again that he does not have paystubs because he is self employed and I was told again, that he needed to have them or they would not move forward. My frustration is there is nothing about paystubs in their list of required documents for self-employed. The requirements for self employed people state they only need the Schedule C and Profit Loss Statement.

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 2022-07-08 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: 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 XXXX 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 XXXX 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 XXXX XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Dear LVNV Funding LLC Your company must not be aware of the FDCPA, because you have violated my consumer rights. 

Account Number : XXXX In accordance with the FDCPA any violation you commit against a consumer you are liable for {$1000.00} per violation which you have committed. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Also please be aware that any electronic transfer of information is not validation of an alleged debt.

Please cease and desist with contacting me and with any further attempt to collect this alleged debt.

Also Pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I XXXX XXXX the consumer gave LVNV no consent to share my personal nonpublic information with any third party companies. An in fact XXXX, XXXX and XXXX or third party for-profit companies. An in fact they are in no way associated with, back by, bonded, by any government agency or bureau. You are in violation and this will not be accepted or tolerated in any way by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Comenity Bank, Ultimate rewards mastercard. My account was frozen due to to unknown reason. I tried to call their customer service multiple times and only took me to the fraud department which was and is closed, unable to reach anyone. My auto pay got disrupted, after the card was frozen so I made a late payment and reached someone by pressing zeros and not entering my account number. They transferred me to the fraud dept which is still closed. Now I have a frozen account, a late payment, unsure if they will waive the fee and do not want that on my credit report. I can't reach anyone on the phone or via their online messages, only a closed fraud department. I am trying to buy a house and do not want this late payment on my account due to their XXXX. I also can not use my card and haven't been able to have it resolved for weeks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-08 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX 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 explanation