vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act & CARES Act, XXXX XXXX Account XXXX XXXX has violated my rights. 

Fair Credit Reporting Act : 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A creditor May nit treat a payment on a credit card account under a open end consumer credit plan as late for any reason. 

CARES Act : 17 SEC. 4021. CREDIT PROTECTION DURING COVID-19 18 Section 623 ( a ) ( 1 ) of the fair Credit Reporting Act 19 ( 15 U.S.C 1681s-2 ( a ) ( 1 ) ) is amended by adding at the 20 end the following : 21 ( F ) REPORTING INFORMATION DURING 22 COVID-19 PANDEMIC. 


Below are the late Missed Payments in question : XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XX/XX/XXXX I spoke with a customer service representative with this company and was told I would be on a payment plan and that there will not be any late payments reported a month before and during the pandemic of 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 2022-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX. XXXX, XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX  XXXX XXXX XXXX XXXX account # XXXX, CHILD SUPPORT XXXX XXXX account # XXXX, XXXX  XXXX  acount # 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 : 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 2022-06-08 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: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX. XXXX, XXXX account # XXXX, XXXX  XXXX  account # XXXX, XXXX  XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX, CHILD SUPPORT XXXX XXXX account # XXXX, XXXX  XXXX  acount # 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 : 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 2022-06-08 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act Experian has violated my rights concerning the following accounts XXXX XXXX  account # XXXX XXXX XXXX account # XXXX and account # XXXX 15 U.S.C. 1681 SECTION 602A. 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 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 2022-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In XXXX of XXXX, i sent out dispute letters to dispute inaccursies on my credit report. I explained in my dispute letter I have not received my billing statement within 21 days of my statement balance being due, under 15 usc 1666 a and b, because of that i noticed my XXXX  account reported multiple late payments and after sending them a dispute letter stating my reason for dispute and holding them to the FCRA standard and they failed to due an investigation within 30 days and notify me. I sent out a letter again just recently and this time certified the mail just to ensure they get this before I notified you all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Panorama Mortgage Group, LLC
State: TX

Complaint narrative:
My mortgage was being transferred from Panorama Mortgage Group to XXXX XXXX  XXXX. The process started in XX/XX/XXXX, and that is where everything started going wrong. I noticed on XX/XX/XXXX that Panorama was backing all the payments I had made up till that point out of the system and only re-entering the payment amounts, not the extra principal that I had paid. I called immediately and was assured that everything was being done correctly as they were transferring everything over to XXXX and that I would see it on that platform once I was set up ( I've not seen it as of yet ). 


Loan was transferred in XX/XX/XXXX, well was supposed to be, but nothing transferred over right, XXXX could see my name but no loan information and Panorama was telling me that they no longer had the loan. I was in limbo and the had no account to make my payments to. I believe it was XX/XX/XXXX that XXXX transferred my loan back to Panorama for them to get everything straightened out and it was later transferred back to XXXX in XX/XX/XXXX. While it was back with Panorama, I was able to pay the two payments that were due on my account, but they were put in suspension and not applied to the loan. 

My loan is now with XXXX, but the escrow that I had paid up until XX/XX/XXXX ( {$1800.00} ), is lost and no one has been able to locate it. I've been talking back and forth with both of these companies since back in XX/XX/XXXX trying to get this all fixed, I am tired and mentally exhausted at this point from being told that someone will call me back within 24 hours to never hearing from anyone and having to call back again and go through the whole scenario again with a different agent and one again being told that they will call me back within 24 hours. I have spent countless hours on the phone trying to fix this and just want it FIXED PLEASE. 

I had to pay my own taxes for last year because even though I had paid my payments and they had my escrow money to pay my taxes, THEY DIDN'T! I was charged late fees due to Panorama 's negligence and shouldn't have had to pay those out of my pocket instead of them paying them from my escrow. 

I am beyond upset, tired and frustrated with this whole mess, it has been 6 months for heavens sake. If I was 6 months behind on my payments I would be in forclosure, there would be no understanding. I know this because when I call in and the first person I get to talk to is rude to me because they see on the screen my payment hadn't been paid and don't know the story or take the time to see that I indeed have paid my payment and is the negligence on the company they work fors part not mine.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: NY

Complaint narrative:
I desperately need some help resolving the situation at hand!! I've dispute with Transunion, XXXX to no avil that XXXX XXXX is reporting inaccurate credit information on my credit file. Even after being notified. 
XXXX portfolio reports to XXXX as an open account. how can a collection be open? portfolio reports to XXXX a 120 days late payments reported on a collection portfolio reports to XXXX {$1200.00} past due reported on a collection Transunion The date last activity was reaged every month i disputed this account with transunion The date of last activity was re-aged when this collection agency falsely stated that it was " verified ''. This needs to be removed immediately! date last active- XX/XX/XXXX date last active- XX/XX/XXXX date last active- XX/XX/XXXX date last active- XX/XX/XXXX date last active- XX/XX/XXXX date last active XX/XX/XXXX I made complaints to the bbb which portfolio claims that they have no control over how the credit reporting agencies reports how can that be when the information is coming from them. I've attached they response to my complaint along with copy of my credit report The facts are taken directly from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I went to car dealership and tried to apply for a car they said they were going to pull my credit report but however they noticed a lot of hard inquiries. 

US SM BUS ADMIN ODA XXXXXXXX XXXX XXXXXXXX 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 2022-06-08 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: VA

Complaint narrative:
I really needed to pay bills, so I decided to take out a title loan with XXXX XXXXXXXX is actually XXXX XXXX XXXX in XXXX XXXX, California. My 1st. payment was due on XXXX XXXX XXXX so I tried to use the application on my phone. The app is " XXXX ''. Immediately had issues because you can't make a payment higher than your interest only minimum payment using the app, so needless to say the app is useless! Immediately called XXXX & was told that I could make a higher payment on the phone, but that person had to get an override approval before taking my debit card. The guy asked for my debit card # s, and I then said I wanted to PAYOFF the loan in the amount of {$2600.00} or {$2800.00}. The guy said my card was declined from my bank because of a limit issue. I humorously called my bank " XXXX '', & that guy told me that I not only have XXXX limitations, but they're wasn't any denied transactions in any amount much less the {$2600.00} that loanmart said was denied! XXXX has all transactions recorded, so they told me no charge of {$2600.00} has tried or been denied on our end. I immediately called loanmart where another guy takes me through the process of making a payment, where I immediately get denied for the same exact " limitations from my bank ''. I humorously, " because I smell a scam as I just got this loan, so I'm sure they don't want me to pay it off because that's how they make most of their money ; but that's not my problem! ". So, humerusly I ask the guy to run my card for the interest only {$220.00} minimum, & guess what it worked perfectly! I maybe thought they were trying to run different numbers or some different expiration date or something, but that proved my card was fine! I told the guy why is my card good for {$220.00}, but not the amount of {$2600.00}? He replied with the same XXXX " limitations from your bank '', & I told him I just spoke with the bank and they're are XXXX limitations. I said well since you think my bank has limitations, let 's do ( XXXX ) payments of {$220.00}. He tried the 1st. one & guess what happened ; he said I'm sorry sir but your bank has denied the {$220.00}. What are you talking about, I just paid {$220.00} earlier today! Well sir your bank apparently has limitations, I was livid & told him to take a long walk off a short pier and hung up! Please help me with this XXXX company? All I want is to accomplish ( XXXX ) things from this complaint :. A ). I pay off my Title Loan and get my title back! B ). This XXXX XXXX Bank get shut down or penalized, so they can't continue doing this to human beings in the future! C ). You can imagine how many times this same thing has happened, & people just keep paying interest, so there needs to be penalties for future loan title fraud! Sincerely, XXXX XXXX Thanks Very Much

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings
State: IA

Complaint narrative:
They are charging over 150 % in interest. That wasn't agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: NY

Complaint narrative:
I wrote to all 3 companies about eastern account systems collection on my credit report for XXXX. I had requested validation of this account being they claim it is verified. To adhere to my rights as a consumer, I have the right to see how they validated this account with a contract between me and eastern account systems showing I owe them. Still to this day despite three requests of this, each company failed to respond with this proof. 

I had a account with XXXX starting in XX/XX/2013 when I moved to XXXX XXXX. I was not working and had {$500.00} in pa benefits, {$400.00} which went to rent leaving {$100.00} for bills and other needs. My NYSeG XXXX was in arrears starting XX/XX/2013. This never became current while I had this account. I did not have the funds and relied on heap to help prevent shut offs. Due to this, the law states debt is to not be reported after XXXX years of first delinquency, this is clearly a 9 year old debt. 

Approximately a year and a half ago I had applied for XXXX in XXXX for this bill owed and was APPROVED for full amount. XXXX was paid by XXXX. 

Which makes this debt invalid due to law of 7 years and it being paid. I do not owe.

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 2022-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
My wife lied to her Bank XXXX XXXX that payments was falsely made from her account to Barclays Credit Card when we have made payments from her account to my credit card for over 12 months ... Barclay refused to investigate and ignorantly returned the money back to XXXX XXXX without doing an investigation. Now they are trying to collect XXXX from me that I have already paid from my wifes account... 

I told them will give an affidavit and will help file criminal charges against her but they refuse to dispute the matter with 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 explanation
Consumer complaint received 2022-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 


XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I also have inquiries on my credit report that I didn't authorized and unaware of. 

XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXL Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiries XXXX XXXX XXXXL Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX & XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXI Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Transunion Inquiries : XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX 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 2022-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In a accordance with the fair credit reporting act XXXX  account Name : XXXX XXXX XXXX 
Account # XXXX, has violated my rights Account name : XXXX XXXX XXXX Account # XXXX, 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

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 2022-06-08 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: EQUIFAX, INC.
State: NC

Complaint narrative:
In a accordance with the fair credit reporting act XXXX  account Name : XXXX XXXX XXXX 
Account # XXXX, has violated my rights Account name : XXXX XXXX XXXX Account # XXXX, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2022 someone used my Chase XXXX Rewards Card for an XXXX purchase of {$420.00}. I reported this to Chase as soon as I realized the charge, around XX/XX/2022 approximately. I had lost an old wallet that contained this card, and a few other credit cards. Even though XXXX, the merchant, recognizes this charge as Fraudulent as per the customer service call in XX/XX/2022, Chase refuses to credit this charge as fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-08 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want an explanation why XXXX XXXX XXXX XXXX ( XXXX  ) and Experian labels my request as " This complaint appears to be about the same issues as your earlier complaint. '' when they have yet to send me the permissible permission used to access my credit report in XX/XX/2017. At this time, forget the copy of the permission and just explain why they refuse and label my request as duplicate when they have yet to perform.

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 2022-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
Fifth Third Bank charged my mortgage escrow account twice for home owners insurance. Once on XXXX XXXX, XXXX in the amount of {$180.00} and once on XXXX XXXX, XXXX in the amount of {$210.00}. I have contacted Fifth Third Bank to remove the erroneous charge from XXXX XXXX, XXXX for {$180.00} but the bank has not resolved the issue and the charges are still applied.

Company response to consumer: Closed with explanation