vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-02-02 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: IN

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I created a XXXX and XXXX  account with Marcus by Goldman Sachs in XXXX XXXX. My account has been locked after I attempted to make an outbound transfer. I called around 10 times through recent months and did a notary service to validate my identity per their request but they are still not able to unlock my account. Every time I called them, they just kept saying some one was working on reviewing my account and let me call back in another couple of business days. Now i just want to get my money back. Please help. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Property Receivables, Corp
State: CA

Complaint narrative:
A company called XXXX XXXX sent my information to a collection agent on mistake and they have really damaged my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: FL

Complaint narrative:
On XX/XX/2024, I called West lake Profolio Management and explain my concern to them, I was put on hold for at least 45 minutes and then agent told me they sold the company and my warranty didnt go with the company and now that my transmission is broken they wont fix it .i was then put on hold for another 20 mins then they hung up the phone as I was on hold. I called again and they hung up, I never got my concern resolved .For a company whom harass me for money and repeatedly calls and threatens me for being {$2.00} off, when I have an actual concern I cant seem to solve it going through them. Im extremely frustrated with the customer service and I would like to further and take legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Urgent Matter - Identity Theft and Credit Profile Concerns DO NOT IGNORE Dear XXXX, XXXX, Equifax, I am XXXX XXXX and I find myself in a distressing situation that requires immediate attention. My identity has been compromised, leading to significant damage to my credit profile. Despite seeking help repeatedly, my efforts have not yielded the resolution I desperately need. 

I am writing to address the unauthorized use of my social security number and card, which has resulted in accounts being opened without my consent. I want to emphasize that I did not authorize these accounts, nor do they have any connection to my actions. This situation is particularly alarming as it not only affects me but also jeopardizes the well-being of my children and my livelihood. 

I kindly request that you promptly remove this damaging information from my credit file within four days of receiving this letter, in accordance with 15 U.S. Code 1681c2.

Furthermore, as a consumer, I am entitled to know the steps your agency has taken to ensure the accuracy of these items, as outlined in 15 U.S.C. 1681i ( 7 ). I request a thorough description of the verification process, including the business name and address of any furnisher of information contacted, along with their telephone number if reasonably available. Please provide this information within 15 days of receiving my request. 

I urge you to take immediate action to rectify this situation by removing all unauthorized accounts associated with my name. 

Sincerely, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 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: FL

Complaint narrative:
Subject : Urgent Matter - Identity Theft and Credit Profile Concerns DO NOT IGNORE Dear Experian, XXXX, XXXX, I am XXXX XXXX and I find myself in a distressing situation that requires immediate attention. My identity has been compromised, leading to significant damage to my credit profile. Despite seeking help repeatedly, my efforts have not yielded the resolution I desperately need. 

I am writing to address the unauthorized use of my social security number and card, which has resulted in accounts being opened without my consent. I want to emphasize that I did not authorize these accounts, nor do they have any connection to my actions. This situation is particularly alarming as it not only affects me but also jeopardizes the well-being of my children and my livelihood. 

I kindly request that you promptly remove this damaging information from my credit file within four days of receiving this letter, in accordance with 15 U.S. Code 1681c2.

Furthermore, as a consumer, I am entitled to know the steps your agency has taken to ensure the accuracy of these items, as outlined in 15 U.S.C. 1681i ( 7 ). I request a thorough description of the verification process, including the business name and address of any furnisher of information contacted, along with their telephone number if reasonably available. Please provide this information within 15 days of receiving my request. 

I urge you to take immediate action to rectify this situation by removing all unauthorized accounts associated with my name. 

Sincerely, 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 2024-02-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: CrossCountry Mortgage LLC
State: AZ

Complaint narrative:
XXXX  ENCLOSED EVIDENCE OF THE INDUCEMENT OF FRAUD BY CROSSCOUNTRY MORTGAGE, LLC. THIS LOAN ORIGINATOR CONVERTED BY TRES PASS THE AJUSTABLE RATE NOTE INTO A MONEY ORDER BY ENDORSING AN ALLONGE TO NOTE, AND CLAIM INSURANCE, WHICH IS ADDITIONAL FRAUD BY UNFAIR DECEPTIVE BUSINESS PRACTICE, CROSSCOUNTRY MORTGAGE, LLC CLAIMED A FALSE TAX RETURN BY SUBMITTING A FALSE 1098 AND 1099A, THAT IS ATTATCHED TO THE AFFIDAVIT AND MISUSED MY SSN FOR UNJUST ENRICHMENT BENEFIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: CL Holdings LLC
State: IL

Complaint narrative:
I believe I am victim of XXXX XXXX. My identity was leaked in the XXXX data breach. I disputed these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with XXXX, XXXX and XXXX. However, the accounts have not been removed from my credit report. I have attached the XXXX XXXX report to this report. 

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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Take a look at the attached documents. I want the bureau to commence an investigation into these accounts, as they inaccurately label me as late when I have consistently been on time.

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 2024-02-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: PA

Complaint narrative:
My mortgage company did not disburse payment from my escrow account to pay my property insurance. The money was in the escrow account and the bill was due in XX/XX/XXXX. On XX/XX/XXXX I called LoanCare because I received a letter from them saying my property was not insured. I called them and asked, " How can I not have insurance when you're supposed to pay it from the escrow account? '' They said it was just that the mortgagee clause wasn't on the declarations. They put me on hold and called the insurance company. After a few minutes they came back on the line and said the problem was resolved. In XXXX I got another letter saying that my insurance cancelled on XXXX XXXX XXXX. This time I called the insurance company to see what was going on. They said LoanCare had not paid them since XXXX. I called LoanCare and they apologized for not paying the bill and issued a check to XXXX XXXX on XX/XX/XXXX. I called XXXX XXXX to confirm receipt of payment on XX/XX/XXXX and was told they mailed the check back to LoanCare on XX/XX/XXXX because the policy has to be re-written. When I tried to have the new policy re-written their underwriting department said they could not insure me at all due to the lapse in coverage. I made a report with with PA Insurance Commission and also had to obtain a policy from XXXX XXXX XXXX which is for people who are uninsurable through the marketplace. Meanwhile, the mortgage company has told me that I'm in violation of my agreement because my property didn't have insurance. However, they are the ones who did not pay it from my escrow account. I don't have access to that account. I had to do a report with LoanCare which is under investigation so that they can determine if I'm at fault. Additionally, the insurance that I purchased from the XXXX XXXXXXXX XXXX is under review with them as well. All of this, when I had the money sitting in my escrow account for them to pay my bill in XXXX when it was due, and in XXXX when they called about the XXXX clause, and in XXXX when the final notice was sent to them. It makes no sense.

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 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 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: NJ

Complaint narrative:
XX/XX/year>XXXX  Company- XXXX XXXX XXXX XXXXXX/XX/year> Company- XXXX XXXX According to 15 U.S. Code 1602 ( p ) these companies are in violation of unauthorized use of my credit for I received no benefit due to no accounts being opened.

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 2024-02-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: CO

Complaint narrative:
I noticed three accounts on my credit report saying that I owed the following : Account XXXX : {$4100.00} Collections Agency : CBE Group Company : Charter Communications , Inc. ( XXXX XXXX ) Client Ref # : XXXX Alt Acct # : XXXX Address used : XXXX XXXX XXXX, XXXX, KY XXXX Account XXXX : {$4400.00} Collections Agency : CBE Group Company : Charter Communications , Inc. ( XXXX XXXX ) Client Ref # : XXXX Alt Acct # : XXXX Address used : XXXX XXXX XXXX, XXXX XXXX, KY XXXX Account XXXX : {$3400.00} Collections Agency : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ( Xfinity ) Address used : XXXX XXXX XXXX, XXXX, TN XXXX Email address used : XXXX None of these addresses or emails are affiliated with me. The fraudster used my information to purchase phones and services. I've filed disputes with XXXX, XXXX XXXX, and awaiting a call back from XXXX to dispute account 3. Calling the other credit bureaus to dispute as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 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: TX

Complaint narrative:
My name XXXX XXXX XXXX and my only employer is XXXX XXXX. 

I have no association or knowledge of XXXX XXXX 

The information is not mine and is not related to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 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: NY

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. 

XXXX XXXX : # XXXXXXXX XXXX XXXXXXXX : # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX : # XXXX XXXX, XXXX XXXX XXXX # 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 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 explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing Experian to dispute the presence of inaccurate address information on my credit report as per my rights under the Fair Credit Reporting Act ( FCRA ), Section XXXX. Please note that the following addresses listed on my credit report are incorrect, unmailable, and undeliverable, and I demand their immediate removal : XXXX XXXX XXXX XXXX XXXX, XXXX, PA, XXXX ( Address ID # XXXX ) XXXX XXXX XXXX, XXXX, PA, XXXX ( Address ID # XXXX ) I assert that these addresses do not pertain to me and their inclusion in my credit report is an error. I believe this error XXXX have been a malicious act by an employee named XXXX in the fraud department, following a discussion we had on XX/XX/year>, at approximately XXXX AM. 

As proof of my current residence, I have enclosed copies of my utility bill and state-issued driver 's license, which clearly indicate my actual address : XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX 


Thank you for your immediate attention to this matter. I look forward to your prompt response. 

XXXX XXXX Enclosures : Utility Bill, XXXX Driver 's License

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 2024-02-02 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: Conn's, Inc.
State: TX

Complaint narrative:
I want to refile this please as my formal complaint to CONN CREDIT CORP /CONN APPLIANCES INC for still allowing the fraudulent account on my credit report. I filed an identity theft with the FTC report number XXXX As I rechecked my credit report this fraudulent account is still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports but they seems to neglect the responsibilities to provide accurate information to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In XXXX of XXXX I called XXXXXXXX XXXX  to find out why I was being reported late during the months of XXXX XXXX to XXXX when I was on a payment plan and all of my payments were being made on time. I have documentation from them showing I was not charged a late fee from XX/XX/XXXX forward. According to my credit report I have been reported late by XXXX from XXXX of XXXX to XXXX of XXXX. I called again in the middle of XXXX of XXXX to have this corrected and dispute this information. On XX/XX/XXXX I contacted someone at XXXX and they told me all the late fees have been corrected I have not been reported late at all and I will have a letter from XXXX stating the status of my credit reporting. On on XX/XX/XXXX I received the letter, according to the letter their reporting was accurate and no changes were going to be made. I called back on XX/XX/XXXX and was told there was nobody available to handle this situation and that somebody would call me back by end of day. 

This reporting has prevented multiple loans being approved including a vehicle loan and mortgage refinance.

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 2024-02-02 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: FL

Complaint narrative:
XXXX XXXX is reporting me a Wrong late payment in my credit report... they mus to provide this late paymentv as mine... I formally request that the following inaccurate items be immediately investigated. 
They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days.

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