vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.

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 2022-05-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
On XX/XX/XXXX I received a called from my insurance agent stating my mortgage company, Freedom Mortgage put a stop payment to a check sent to my insurance ( FHA LOAN ) for the premium due to an address discrepancy. My agent also advised that this is a time sensitive matter and if they dont receive payment with a weeks time frame my home insurance policy would be canceled. So to give you the back story, This summer marks our 4 year anniversary at this home with this mortgage company and we have NEVER changed an address nor have we ever given them the address they are mentioning. I once had this same issue in the pass ( like a year or so ago ) with them and it was supposed to be updated. We have always had an FHA loan since purchasing and they have always made all payments as well as premiums to my insurance. So yesterday ( XX/XX/XXXX ) I contacted the insurance department and spoke to representative XXXX about my current issue. After being on and off hold for a total XXXX minutes, XXXX did confirm that XXXX XXXX XXXX XXXX is my mailing address. As for the property location the address is XXXX XXXX XXXX XXXX its completely wrong and he couldnt tell me why or when this happened. He stated he would email the claims department for further investigation. Asked to please allow XXXX for a response. We agreed and that was the end of the conversation. Today I received a call from him stating that XXXX received a response back from the claims dept and they are stating that after further evaluation the address ( XXXX XXXX XXXX XXXX ) is correct and if I don't agree I need that I need to dispute and submit a XXXX form? Not even sure what that form is. I need help and I need them to fix the issues they created.

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 2022-05-05 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: NJ

Complaint narrative:
I am writing to delete the following information in my file, the item i need to delete are listed in the report. I am a victim of identity theft. I demand that y'all remove these items from my credit file to correct my credit report. I also reported the theft of my identity to the federal trade commission & enclosed copies of the federal trade commissions identity theft affidavit. remove these items immediately.

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 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
Personal information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: NY

Complaint narrative:
This is my third complaint to the CFPB and I have also written to the Credit reporting agencies indicating that my credit file is inundated with inaccuracies. However, the credit reporting agencies have repeatedly stated that these items were validated as being accurate. Clearly, this can't be the case when there are clear instances of inaccurate reporting on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: NY

Complaint narrative:
This is my third complaint to the CFPB and I have also written to the Credit reporting agencies indicating that my credit file is inundated with inaccuracies. However, the credit reporting agencies have repeatedly stated that these items were validated as being accurate. Clearly, this can't be the case when there are clear instances of inaccurate reporting on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
We went to transfer {$25000.00} on Wednesday, XX/XX/XXXX from Synchrony Bank to another account. We linked the bank accounts, confirmed they were connected, and initiated an external transfer as noted on their website. Unfortunately, no where on their website do they make clear that I have to be the account owner for an ACH transfer ( I am now aware of this, have gotten used to easy clearing houses through programs like XXXX etc. ). The holding period for this cash to return is longer than what's feasible to make a purchase, and now the entire process is in jeopardy because Synchrony has no alternative solution. 

Synchrony points to page 5 of their Terms and Conditions as an excuse for not making this clear anywhere on their website, even though there's an incredible concise explanation of how everything else works on their transfer portal. We signed up for this account for the specific reason that it would be easy to use online, and honestly have had nothing but problems getting money out of Synchrony when we need it.

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 2022-05-05 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: MA

Complaint narrative:
I WANT TO MAKE IT CLEAR THAT I AM NOT DISPUTING INACCURATE INFORMATION ON MY REPORT. I AM REPORTING EQUIFAX FOR NOT FOLLOWING FCRA RETENTION LAWS. 

Equifax is ignoring the retention statute of collection accounts in XXXX 
I have temporary left the state for work. I have confirmed with XXXX XXXX, a credit law firm that even if someone permanently moves the retention time stays with the state that the debt incurred. 
There is a medical collection account on my report that should have aged of my report last month. They are refusing to remove citing that because I am currently in XXXX XXXXheir policy is to keep it on my report. Because my stay is temporary they have insisted i show my license. I am including a copy of front and back to show I still maintain my XXXX residency. I do not intend to get a XXXX license as I am not a permanent resident.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: NY

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to delete the following information in my file, the item i need to delete are listed in the report. I am a victim of identity theft. I demand that y'all remove these items from my credit file to correct my credit report. I also reported the theft of my identity to the federal trade commission & enclosed copies of the federal trade commissions identity theft affidavit. remove these items immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Personal information is incorrect.

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 2022-05-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
I had a guest ion regular ding my foreberrance with Mr Cooper, I was told that I had to submit my guestions in writing and that they had 30 days to respond. I submitted my questions in writing on XX/XX/XXXX and I still have not gotten a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX  XXXX # XXXX XXXX  XXXX XXXX {$400.00} # XXXX XXXX  XXXX XXXX  {$450.00} # XXXX XXXX XXXX  {$670.00} # XXXX XXXX  XXXX  {$450.00} 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 2022-05-05 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX  XXXX # XXXX XXXX  XXXX XXXX  {$400.00} # XXXX XXXX XXXX XXXX  {$450.00} # XXXX XXXX XXXX  {$670.00} # XXXX XXXX XXXX {$450.00} 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Accelerated Servicing Group LLC
State: TX

Complaint narrative:
I continually get phone messages stating I owe some sort of " debt '' that I don't owe. I'm threatened with legal action and threatened of credit agencies being notified resulting in my credit being tarnished.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Inquiries arent mine and shouldnt be on my credit report. 

DateXXXX XXXX, XXXX XXXX XXXX AddressXXXX XXXXXXXX, XXXX XXXX XXXX, XXXX, TN XXXX DateMar XXXX, XXXX CompanyXXXX XXXXXXXX AddressXXXX XXXX, XXXX XXXX XXXX, XXXX, TN XXXX DateXXXX XXXXXXXX, XXXX CompanyXXXX  AddressXXXX, XXXX XXXX XXXX, XXXX, OH XXXX DateDec XXXX XXXX XXXX CompanyXXXX XXXX AddressXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, OH XXXX DateOct XXXX, XXXX CompanyXXXX XXXXXXXX AddressXXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, TN XXXX DateSep XXXX, XXXX CompanyXXXX XXXX AddressXXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, RI XXXX DateXXXX  XXXX, XXXX CompanyXXXX XXXX AddressXXXX XXXXXXXX, XXXX XXXX XXXX, XXXX, TN XXXX DateJul XXXX, XXXX CompanyXXXX XXXX, XXXX XXXX AddressXXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX DateApr XXXX, XXXX CompanyXXXX  AddressXXXX DateMar XXXX, XXXX CompanyXXXX XXXXXXXX, XXXX XXXX AddressXXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX, XXXX CompanyXXXX XXXX AddressXXXX XXXXXXXX, XXXX XXXX XXXX, XXXX, TN XXXX DateDec XXXX, XXXX CompanyXXXX XXXXXXXX XXXX XXXX AddressXXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX, XXXX CompanyXXXX  XXXX, XXXX AddressXXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX  NY XXXX DateXXXX XXXXXXXX, XXXX CompanyXXXX AddressXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Request OriginatorAXXXX XXXX DateXXXX  XXXX, XXXX CompanyXXXX AddressXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Request OriginatorXXXX XXXX DateXXXX  XXXX, XXXX CompanyXXXX XXXXXXXX AddressXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Request OriginatorXXXX XXXX  XXXX DateXXXX  XXXX XXXX XXXX CompanyXXXX XXXX AddressXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Request OriginatorXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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:
XXXX XXXX XXXX is consistently and intentionally furnishing inaccurate and incorrect information to the consumer reporting agencies against me. I began to notice the inaccurate reporting in XX/XX/2022. I submitted disputes to all three credit reporting agencies. It is now XX/XX/2022 and I am tired of the aggravated identity theft, invasion of privacy and the hostile nature of which I am being treated. 


15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. 

The inaccurate information reporting on my consumer reports include XXXX XXXX XXXX reporting the following inaccuracies : Incorrect account numbers, inaccurate account types, differences in account detail/type, date last active was different, differences in date last reported, comments differed, differences in balance, ect. 

This is out of compliance pursuant to 15 U.S.Code 1681e I have proof of intentional and inaccurate reporting MULTIPLE times a month. This is harassment, and abuse. XXXX XXXX XXXX is causing me tremendous financial harm, I have documented proof of inaccurate reporting across XXXX, XXXX and Transunion. I have submitted the following complaints against Prestige : CFPB complaints ( XXXX ), XXXX  Complaints, I have submitted Attorney General complaints for both Texas and Utah. XXXX XXXX XXXX continues to violate my consumer rights with willful noncompliance which is a violation pursuant to 15 U.S.Code 1681n ( a ) ( 1 ) ( a ). 
These are violations of my consumer rights.The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. The inaccurate reporting has damaged my livelihood.

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 2022-05-05 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:
XXXX XXXX XXXX is consistently and intentionally furnishing inaccurate and incorrect information to the consumer reporting agencies against me. I began to notice the inaccurate reporting in XX/XX/2022. I submitted disputes to all three credit reporting agencies. It is now XX/XX/2022 and I am tired of the aggravated identity theft, invasion of privacy and the hostile nature of which I am being treated. 


15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. 

The inaccurate information reporting on my consumer reports include XXXX XXXX XXXX reporting the following inaccuracies : Incorrect account numbers, inaccurate account types, differences in account detail/type, date last active was different, differences in date last reported, comments differed, differences in balance, ect. 

This is out of compliance pursuant to 15 U.S.Code 1681e I have proof of intentional and inaccurate reporting MULTIPLE times a month. This is harassment, and abuse. XXXX XXXX XXXX is causing me tremendous financial harm, I have documented proof of inaccurate reporting across Equifax, XXXX and XXXX. I have submitted the following complaints against Prestige : CFPB complaints ( XXXX ), XXXX  Complaints, I have submitted Attorney General complaints for both Texas and Utah. XXXX XXXX XXXX continues to violate my consumer rights with willful noncompliance which is a violation pursuant to 15 U.S.Code 1681n ( a ) ( 1 ) ( a ). 
These are violations of my consumer rights.The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. The inaccurate reporting has damaged my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: NE

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX Auto 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-05-05 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: NE

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation