vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-06 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: IN

Complaint narrative:
This was not sent in error. I am a consumer by law and my info was misused and I now have some false not 100 % accurate accounts and information on my credit report. 

I asked the credit bureaus to do a verification of everything on my credit report and they did and also stated that everything was accurate. I did research myself and found inaccuracies on my credit report even after they said they did research. In Accordance with Fair Credit Reporting act the following accounts have violated my rights XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX  XXXX Account # : XXXX DPT EDXXXX Account # : XXXXXXXX DPT EDXXXX Account # : XXXX DPT EDXXXX Account # : XXXX DPT EDXXXX Account # : XXXX DPT EDXXXX Account # : XXXX DPT EDXXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX  XXXX Account # : XXXX DPT EDXXXX Account # : XXXX DPT EDXXXX Account # : XXXX DPT EDXXXX Account # : XXXX Also 15 U.S.C 1681 Section 602A says I have a right to privacy and Section 604 A Section 2 says a consumer reporting agency can not furnish an account without my written instructions and consent as well as the right to opt out! I was not given the opportunity for my information to not be shared and I'm demanding removal of these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: TX

Complaint narrative:
On XX/XX/22 I sent certified mail to each credit reporting agency, XXXX, XXXX, TransUnion. I never received any response from the credit reporting agencies. I resent another dispute letter again on XX/XX/22 and still never received a response. I confirmed that my proof of address and all documentation was correct, which it was, however, I have still not received any response in regards to the inaccurate information that is reporting on my credit report and need to be removed 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 non-monetary relief
Consumer complaint received 2022-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2022 I sent all three credit bureaus a letter that they were reporting inaccurate and incomplete credit information and that i needed to see verifiable proof. They are not complying with regulations based on my request for an investigation.

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 2022-09-06 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: GA

Complaint narrative:
On XX/XX/2022 I sent all three credit bureaus a letter that they were reporting inaccurate and incomplete credit information and that i needed to see verifiable proof. They are not complying with regulations based on my request for an investigation.

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 2022-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: IL

Complaint narrative:
PNC Bank has implemented a system that processes debits before credits. This results in potential temporary overdrafts during nightly processing so that PNC can charge an overdraft fee. The daily balance is never negative in this instance. See attached bank register.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I asked the credit bureaus to do a verification of everything on my credit report and they did and also stated that everything was accurate. I did a research myself and found inaccuracies on my credit report even after they said they did a full research. In Accordance with ( XXXX XXXX XXXX ), all have 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 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 2022-09-06 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: MA

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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: CA

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 2022-09-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: MI

Complaint narrative:
I'm a XXXX XXXX  XXXX from XXXX  and I had a mortgage through flagstar bank and my payments where taken out of my check every 2 weeks and deposited into a flagstar account wich was always locked I could not touch the account. From XXXX to XXXX I made my payments then I started getting letters saying my payments was not made and I was behind but my money was being put into the flagstar savings account that they only could take money out of. Well I got so far behind and hit with late fees that I was like 20 grand behind but my account had the money in it well come to find out they sold my mortgage and didn't tell me. They wouldn't work with me to get the house back they wanted all the money. So I lost the house. They sold it for what I owed and they still are saying I owe them the money I was late on. They are the cause of me living on the streets my credit score is awful and can't get no lines of credit I filled XXXX XXXX XXXX and now I live with family with no car and I have kids. Can you please help me I feel I was victim to fraud and also victim to predatory lending and it has had a huge negative impact on my life and mental well being. 
Thanks for your 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 explanation
Consumer complaint received 2022-09-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I sent out a a request for an investigation for my credit report to Equifax, XXXX, and XXXX. They are not complying with regulations based on my request for an investigation. I have not received any type of investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: TX

Complaint narrative:
I have received my credit report and there is fraudulent accounts being reported on my profile from XXXX XXXX, XXXX and Experian XXXX XXXX XXXX Date XX/XX/2022 XXXX XXXX Date XX/XX/2022 XXXX XXXX  XXXX Date XX/XX/2022 XXXX XXXX XXXXXXXX Date XX/XX/2022 XXXX XXXX XXXX XXXX Date XX/XX/2022 XXXX  Date XX/XX/2022 XXXX XXXX XXXX Date XX/XX/2022 XXXX XXXX XXXX Date XX/XX/2022 XXXX XXXXXXXX XXXX Date XX/XX/2022 XXXX XXXX XXXX  Date XX/XX/2022 XXXX XXXX XXXX Date XX/XX/2022 XXXXXXXX XXXX  Date XX/XX/2022 XXXX XXXX ACCT  XXXX XXXX  ACCT 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 2022-09-06 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: CA

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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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:
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 2022-09-06 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: MD

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 XXXX 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 us 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 im XXXX n cant provide to my XXXX year old 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 2022-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: TX

Complaint narrative:
Dear Sir/Madam : I am writing to officially file a complaint against a company that has scammed me and, evidently, countless others. 

On XX/XX/2022, we were scammed by a company that called themselves XXXX XXXX XXXX. The product they were selling was a travel membership which included hotel, cruise line, airline tickets, and group offers for travel around the world. During their sales presentation, they also offered to help us sell our time share. There was a large amount of pressure applied and it was presented as a limited time offer, so we accepted the sales pitch and paid their {$3900.00} fee. When we left their office and had internet connection, I googled the company name and found that there were many reviews that identified the company as a scam. ( Please see the links below. ) After learning this, we went back to their office and, after much discussion, were eventually able to get a refund, less {$50.00} for a meal voucher they had given us. They had charged our XXXX, so when they said they would give us a refund, we also called XXXX and disputed the charges as a scam. XXXX notified us that the charges had been refunded and we thought that was the end of it. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Today, XX/XX/2022, we received a collection notice from Monterey Financial Services, LLC, requesting that we pay the {$3900.00} XXXX The collection is for a company called XXXX XXXX XXXX, which is the third name that we know of that the company has used. All three of the company names have both XXXX XXXX and XXXX addresses. 

I am also providing the links where I found that it was a scam. It appears that this has happened to many different visitors to XXXX. 

XXXX XXXX  XXXXXXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX Thank you for in advance for your attention to this matter. I can be reached at this email address or at the phone number below.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: NV

Complaint narrative:
On XX/XX/2022 I sent a letter to the XXXX court asking do they report information to credit reporting agencies. I just got a letter back from them stating they don't, so if that is the case how did they get the info to report? They never did!!! Pursuant to 15 USC 1681 Sec 603 3 ( e ) the term investigative consumer report means a consumer report or portion thereof in which info on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends, or associate of the consumer reported on or with others with whom he is acquainted or who may have such knowledge concerning any such items of information. However, such information shall not include specific factual info on a consumers credit record obtained directly from a creditor of the consumer or from which a CRA when such info was obtained directly from a creditor of the consumer or from the consumer. 
How was a proper investigation done? 
This is how they violated me : given rights 15 USC 1681 sec 602 states that I have rights to privacy. According to 15 USC 1681 sec 604 ( A ) sec 2 it states CRA can not furnish anything without my consent. 15 USC 1681 ( a ) ( 1 ) you shall NOT furnish anything 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 2022-09-06 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: NJ

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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Accurate Background
State: WI

Complaint narrative:
I was told that I have a criminal conviction of XXXX XXXX  XXXX XXXX on my record and that is not true. I was found not guilty XXXX XXXX XXXX XXXX On the background report it says guilty. Can you fix that?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
FREEDOM MORTGAGE HAS IGNORED REQUEST TO PAY THE HAZARD INSURANCE FROM MY HAZARD INSURANCE AGENCY, EVEN AFTER SENDING XXXX PAGE AND BILL VIA MAIL, EMAIL, FAX AND CALLING TO SPEAK TO A SUPERVISOR " XXXX '' ON XX/XX/XXXX WHO PROMISED TO OVERNIGHT PAYMENT. AS OF TODAY, MY INSURANCE POLICY HAS BEEN CANCELLED. BY LAW FREEDOM MORTGAGE MUST PAY ESCROWED HAZARD INSURANCE AND TAXES. I HAVE {$2700.00} IN MY ESCROW ACCT. THEY HAVE PUT ME AT RISK. IN ADDITION, THEY HAVE RECEIVED MONIES FROM A THIRD PARTY TO CURE MY PAST DUE BALANCE, NOW REFLECTED AS DEFERRED {$21000.00} BALANCE AND I SHOW AN UNAPPLIED CREDIT IN THE SAME AMOUNT. I HAVE ASKED QUESTIONS REGARDING BOTH MY ESCROW AND WHY UNAPPLIED FUNDS HAVE NOT BEEN APPLIED TO THE SUBORDINATE BALANCE AND HAVE NOT RECEIVED ANY ANSWER. THEY HAVE REFUSED TO PROVIDE ANY ANSWERS IN WRITING, NOR DO ANY OTHER DUTIES AS A LOAN SERVICER.

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 2022-09-06 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: MI

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 2022-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I sent out a a request for an investigation for my credit report to XXXX, Transunion, and XXXX. They are not complying with regulations based on my request for an investigation. I have not received any type of investigation results.

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 2022-09-06 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: GA

Complaint narrative:
On XX/XX/XXXX, I sent out a a request for an investigation for my credit report to XXXX, XXXX, and Experian. They are not complying with regulations based on my request for an investigation. I have not received any type of investigation results.

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 2022-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have received repeated calls and mail from XXXX XXXX XXXX XXXX  to collect an alleged debt from Bank of America. The company has made numerous calls before giving me a chance to dispute the debt. I have written to them by certified mail to inform them to communicate with me via US Postal Services ONLY. I have requested all related Bank of America documents to review the alleged debt that XXXX XXXX XXXX XXXX  is trying to collect. These actions are causing me severe mental distress. 

Previously to receiving communications from XXXX & XXXX XXXX, Bank of America made several phones per day to harass and cause mental distress. They intentionally contacted people who they thought knew me. All of these actions by both companies are mental terrorism.

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