vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-01 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: FL

Complaint narrative:
IN ACCORDANCE WITH THE FCRA XXXX ACCT INQUIRIES HAVE VIOLATED MY RIGHTS NUMBERS 1-12 15 USC 1681 SECTION 602A -I HAVE A RIGHT TO PRIVACY 15 USC 1681 SECTION 604A - STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH WITHOUT WRITTEN INSTRUCTION 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3.XXXX  XXXX XXXX 4. XXXX XXXX XXXX 5. TRANSUNION XXXX XXXX XXXX 6. XXXX XXXX TRANSUNION XXXX XXXX 7. US DEPT OF HOUSING XXXX 8. XXXX XXXX XXXX XXXX XXXX 9. XXXX XXXX XXXX 10. XXXX XXXX XXXX 11. XXXX XXXX XXXX XXXX 12. 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 explanation
Consumer complaint received 2022-04-01 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: FL

Complaint narrative:
IN ACCORDANCE WITH THE FCRA CXXXX XXXX  INQUIRIES HAVE VIOLATED MY RIGHTS NUMBERS 1-12 15 USC 1681 SECTION 602A -I HAVE A RIGHT TO PRIVACY 15 USC 1681 SECTION 604A - STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH WITHOUT WRITTEN INSTRUCTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: CA

Complaint narrative:
My sister and brother had a car loan that they used my info to get approved and my brother was late on one payment when i found out i explained to XXXX that this is the case they said if i make right on the payment they wont report me to the credit bureaus thus i made payment and paid off the entire account and removed my name from that loan. This is the only thing on my credit thats in accurate and i have been trying to fix it/remove it for months. Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: TX

Complaint narrative:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-04-01 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: TX

Complaint narrative:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CO

Complaint narrative:
XXXX has tried to collect this debt for over 2 years. I have disputed it each and every time. XXXX was unable to provide the necessary documentation to validate this debt. As a result they did not respond my original request for debt validation and I received an apology and a letter ( via cfpb ) stating that they did in not validate the request. That they would stop pursuing this. This is just more harassments from XXXX and Jefferson Capital in regards to this matter. I plan on also filing a complaint with the FCC. Attached you will find my original CFPB complaint with an apology from XXXX debt collection department.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
My mortgage was sold to Mr Cooper Mortgage Co. After setting up my automatic withdrawl for payment with them, they proceeded to take multiple payments ( 3 ) out of my account the first month. It took several calls and numerous months to fix this simple issue. 
Secondly, I made several extra payments in order to pay my loan off quicker. I paid my 15 year mortgage loan ( # XXXX ) off in approximately 50 months. In late XXXX of XXXX I called to get a payoff amount on my loan. The representative told me there would be a {$35.00} charge to get that information. I laughed and said are you kidding me? Out of principle I did not get the exact payoff amount. Instead I chose to just pay as I recall about {$88000.00}. on the balance of roughly XXXX Assuming interests and escrow balance would wash out the following month. If I owed a few extra dollars than Mr Cooper would adjust my account and I would pay it the following month. Likewise if Mr Cooper owed me than a check would be issued to me. I waited several days and went on line to check the updates made to my account. A message instead came up on my account and said CONGRATS YOUR LOAN HAS BEEN PAID IN FULL. No numbers or statements were available for me to review. I called Me Cooper and they told me on at least 5 different occasions that the balance was XXXX. No money was owed to either party. Two supervisors even stated this to be the fact. I let them know this was impossible. After all there was a couple thousand dollars in my escrow account at the time of my final payment. I thought about calling an attorney but thought better to allow this company to rectify the matter. Again upon calling i was told i owed nothing nor would i be refunded any dollars. I told them that's impossible. I randomly picked a dollar amount and made that last payment and it worked out exactly to XXXX. Sounds a bit fishy to me. I received a letter date XX/XX/XXXX from MR Cooper. It contained my loan number, full name and property address. It also contained a Customer Service number to call. I called it and made reference to the statement in the letter that Payments and interests were not properly applied to my balance and that I would be receiving a check under separate mailing for the difference. No amount was given nor was there a date or timeline. In fact the representative told me he saw no record of any such letter. The hits just keep on coming!! This seems ridiculous to me. I paid my loan off in the end of XXXX of XXXX and I am still dealing with this inept company. They should be fined and reviewed for other errors. I am sorry to complain but I need your help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ZWICKER & ASSOCIATES
State: MI

Complaint narrative:
Zwicker & Associates continues to harass, mislead, and intimidate me with hostile collection practices. Multiple representative claiming to represent Zwicker & Associates contact me throughout the day, threatening additional legal action. Unbeknown to me, Zwicker & Associates sent a summons to a Michigan address for which I did not reside. At the time, I was living in California and was not aware of any legal proceeding by Zwicker & Associates. As of XX/XX/2022, I offered to settle with Zwicker & Associates at {$570.00} per month for 12-months. Zwicker & Associates declined my offer ( {$6900.00} ) and thus, demanded immediate payment including my bank account information. The following are the hostile tactics used by Zwicker & Associates. 1. Sued without properly notifying of a lawsuit, sued me in a state where I did not live, sending summons to Michigan, while I was living in California. 2. Threatened and suggested my credit would be damaged. 3. Attempted to seize my property, personal bank account, demanding my debit card information. 4. Communication tactics ( repeated phone calls, using threatening and abusive language, transferring me to numerous Zwicker & Associates personnel. 5. Threatened to take additional negative legal action, taxes, and garnishment if I did not provide access to my bank account. 6. Contacted me after requesting them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: FL

Complaint narrative:
XXXX XXXX XXXX account on my XXXX and Experian account is reporting a balance on my account as of XX/XX/XXXX. This account was transferred to XXXX XXXX XXXX In XX/XX/XXXX, I paid a settlement on this account with the collection agency. This account is not showing as settled and a balance is still being reported was being reported as of XX/XX/XXXX. I have disputed this account several times and Experian and XXXX and instead of reporting the account correctly both credit bureuas have removed the payment information as Unknown on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Fig Tech Inc.
State: OH

Complaint narrative:
Back in XXXX of 2021, Fig loans dispersed a loan in the amout of {$400.00}. I get an email stating my account numbers for paying said loan were incorrect. I informed them at that time that I didnt take out the loan, and thats why the numbers were incorrect, and obviously it was fraud. After many many threatening emails from them, they are still refusing to remove this from my credit report, and saying I still owe them. I provided them with proof that I never took the loan out, but they refuse to remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: IL

Complaint narrative:
Experian has a Bankruptcy listed on my credit report that is inaccurate. 1 ) The file Number is incorrect 2 ) Incorrect Name of the court which is governed by law.3 ) Dispute was verified in several hours which is impossible and the inaccurate information is factual and can be seen on the Experian report.4 ) Not consistent with the other 2 credit bureaus.

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 2022-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My sister and brother had a car loan that they used my info to get approved and my brother was late on one payment when i found out i explained to XXXX that this is the case they said if i make right on the payment they wont report me to the credit bureaus thus i made payment and paid off the entire account and removed my name from that loan. This is the only thing on my credit thats in accurate and i have been trying to fix it/remove it for months. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: The Savings Group, Inc.
State: FL

Complaint narrative:
My credit was pulled by a company called Rate Genius and a loan was attempted through a bank called XXXX XXXX XXXX. This was done on XX/XX/2022, by someone not authorized by me to do this. I have received another text today from someone named XXXX XXXX, claiming to be my loan officer. I texted back to never text me again and to never pull my credit ever. I then blocked the number and deleted my profile from XXXX XXXX. The text mentioned that XXXX XXXX was where the loan request originated. I have no knowledge of any of how any of these companies received a request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
I received a few phone calls from SunRise Credit Services about an account that got opened with this company from XXXX XXXX XXXX. I made a three-way phone call to them with a XXXX representative, and this " collection agency " gave them an account number and address for me, and they had nothing for me. This company, SunRise is a fraud, I gave them 30 days to remove this fraudulent account from my credit that doesn't exist, or I will sue them! I asked them to send me a validation of the debt letter because I have had active service with them for years and have never been behind. They never sent the validation letter, and yesterday XX/XX/2022, they put it on my credit as delinquent debt.

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 2022-04-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Vehicle Solutions Corp
State: FL

Complaint narrative:
My name is XXXX XXXX and this is in reference to my previous case, the previous case # was XXXX. 

In that complaint I demanded the following items and they have not been sent over. 

XXXX XXXX XXXX demand you stop all illegal negative reporting to any and ALL consumer reporting agencies and remove from my file NOW*** XXXX XXXX XXXX XXXX XXXX ***INVOICE FOR WHEN VEHICLE WAS XXXX Under FDCPA if this company is not going to honor my request, they must remove this file from all CRA 'S. 

Once again, I have sent this company a cease and desist and demanded an Audit Trail, Debt Validation, Forward Floor Agreement and Invoice for when vehicle was sold after illegally being taken from my possession. Under CFPB consumer protection laws, this company must sent back this information and if they do not, must remove from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax froze my account without authorization, or request for a lock or freeze. Then when I call them to get fixed, they want me to share so much information on an open cellular line that anybody could get a new credit card in my name. Literally even my Full SS, DOB, and too much other info. It's the opposite of security. 
It would be pathetic if it wasn't so wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Financial Warranty LLC
State: CA

Complaint narrative:
on or about XX/XX/2022, I hired financial Warranty to help me with my credit I was told by there advisor to put a stop payment on my pay day loans, so I called my bank and paid {$90.00} to put a stop on them. well the bank didn't tell me that it would only keep them from going through if they did a vch, but they didnt they used my debit card instead which they went through. I called financial warranty to tell them what had happened and while I was on the phone with the advisor he put there payment of {$200.00} U was not aware of this until I hung up and called my bank. I called them back and tolled them I didnt want to go through with this and that I wanted a refund because they had taken all the money I had left in the bank and that I could not pay any of my other bills. Sense that day I have been on the phone just about everyday still trying to get my money back. I just called them again this morning and they said it was still in the works. please these people are thieves they have put me and my credit in worse shape then it was before hiring them. I am behind now on all my credit cards and I dont no what to do. I am XXXX XXXX XXXX XXXXXXXX and am now having trouble getting into a home because of my credit and the fact that I'm behind on all my bills.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: MIDFIRST BANK
State: IL

Complaint narrative:
In complaint XXXX, I noted that I had been given a COVID-19 partial claim but was still being reported as delinquent. Two of the three major bureaus were edited to remove the inaccurate COVID information ( but not to reflect the timely unemployment forebearance payments ), but there has been nothing done to resolve the XXXX report, which still shows the inaccurate information. 
* * * As previously stated : " I have a FHA mortgage with Midland Mortgage. My previous employer went out of business in XX/XX/2021, and I received an unemployment forbearance. After that, I found new employment and applied for and received a COVID Partial Claim. So far so good. I have made all payments since the partial claim before due date and without incident. However, the credit report reads a 90 day delinquency for XXXX through XX/XX/2021. As the attached guidance shows, the mortgage company should not report a delinquency for those three months, and in addition, the unemployment forbearance payments were all timely made. Therefore all months from XX/XX/2021 to date should show timely. This has been an issue before when I had a previous unemployment forebearance and modification. The CFPB was extremely helpful in getting this corrected. ''

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 2022-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have no knowledge of this information on my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: TX

Complaint narrative:
Hi, My name is XXXX XXXX, on XX/XX/2022 I received my weekly credit report from XXXX only to see that a debt of {$730.00} has been reported by Mrs Associate with a phone number and address not associated to me, I called Mrs Associate to find out what the charges is all about and the person I spoke with requested for my social security number to find out, he then get back to me and said he could not establish the vendor or company that reported the debt to Mrs Associate that I should call XXXX to find out who reported the claim and have been trying to speak to an XXXX representative and have not been able to and this is seriously damaging my hard earned credit. Please i need help so i can start re-building my credit

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief