vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I applied for Car Loan with XXXX XXXX a few weeks ago. Transunion put a fraud alert on my account without my knowledge. XXXX XXXX said that they could not see my credit report. I called Transunion and went on the website to take it off and reapplied. I received an email saying that it was off. When I reapplied, I had the same problem with XXXX XXXX just created XXXX inquiries on my credit report that were not needed because the fraud alert was still on there. I tried to correct the problem with TransUnion to no avail. 
Needless to say, I did not get the loan. I reapplied on the XXXX and still had problems.

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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: CITIBANK, N.A.
State: MD

Complaint narrative:
15 USC 6801. It reads " It is the policy of the Congress that each financial institution has an affirmation and continuing obligation to respect the privacy of its customers and protect the confidentiality of those customers non public personal information ''. Citi Bank cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX  are all financial institutions under that title. 15 USC 1681 section 604a section states " In general to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER! : " In accordance with the written instructions of the consumer to whom it relates '' Any and all consent given to ; Citi Bank CBNA, XXXXXXXX XXXX XXXX XXXX< XXXX XXXX XXXX XXXX XXXX XXXX XXXX also XXXXXXXX, XXXX and XXXX whether it verbal, non verbal, written, implied or otherwise is hereby REVOKED! 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose non public personal information to a non affiliated third party unless -- the consumer is given an explanation of how the consumer can exercise that non disclosure option ''. Citi Bank CBNA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX never informed me of my right to exercise my own disclosure option. Furthermore, 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' These accounts adverse items reporting without my permission that is against the law w. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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.

Additionally, 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX and XXXX  are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

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 2024-03-11 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: FL

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-03-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Since the Equifax breach of 2017 Ive continuously had my information sold and used on the dark web. Ive not been able to obtain any credit or services due to constant issues that arise and I cant keep up with. Please eliminate all accounts that are currently on my credit report as its my right by statute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: CA

Complaint narrative:
On XX/XX/2024, at approximately XXXX hours, I was looking for a calculator device online to calculate a second mortgage. This resulted in asking questions regarding my name and address along with my phone number. Within a few seconds my phone began blowing up from all these lenders. 
XXXX XXXX was Mutual of Omaha. The person whose name is XXXX telephone number XXXX asked me what I was looking for and I specifically stated, I am looking for a loan of XXXX equity line of credit to pay off existing loans and to do some work on my home. 
XXXX stated he needed to run my credit and I asked him if that would affect my credit score and he said it would. XXXX knew and understood that I wanted a line of equity credit or 2nd mortgage. 
At approximately XXXX hours, XXXX called me back and stated he could save mew XXXX per month. He then begins to describe a refinance of my current home loan. I told him he specifically knew and understood that I wanted an equity line of credit, that I was not looking to refinance my home at which time he responded, what is your current mortgage rate? I told him it was XXXX percent. He continued to advise me about refinancing. 
I informed him he unlawfully ran my credit score intentionally knowing I was looking for an equity line of credit. He caused my credit score to be affected by running a credit check knowing I wanted a line of credit and not finance. He then stated he could not help me after advertising that he could. 
This behavior proximately caused harm to my credit score. This needs to be taken off of my credit score. 

Thank you in advance, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CMG Financial Services, Inc.
State: LA

Complaint narrative:
We were informed in XX/XX/XXXX that our escrow amount had changed significantly - increasing by approximately XXXX. I called the company to dispute this amount and spoke with them on several occasions. They told me that the issue had already been reviewed twice and escalated and that any dispute would need to be sent through their research department. On XX/XX/XXXX I sent a letter to their research department explaining that they had incorrectly calculated my tax amount because ( 1 ) they had failed to pay XXXX taxes as required ; ( 2 ) they incurred fees an penalties as a result ; ( 3 ) the amount used in the calculation included both XXXX and XXXX taxes as well as the penalties incurred ; and ( 4 ) they added an additional amount due to their third party provider telling them that XXXX and XXXX taxes were due. We received a letter stating that the issue is under review but that our escrow amount has not changed. Currently, my escrow amount it higher than my mortgage principal and interest. The escrow amount increased by 4x despite the actual taxes owed having decreased in XXXX. Everyone I have spoken to on the phone agrees that this is incorrect but they have yet to do anything to correct this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: TX

Complaint narrative:
Transunion Report # XXXX I have sent my final default judgment out, they have items on my report that are not mine and reporting Income as Debt!! Against the Law and IRS policy. I will have NO choice but to file a law suit which I SHOULD NOT HAVE TO DO??? I will also look into suing the CFPB for remedy for NOT taking action. 

I have a FINAL JUDGMENT AND THEY ARE NOT REMOVING!!! I NEED ENFORCEMENT

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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please see attachments below.

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 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK
State: IN

Complaint narrative:
On XX/XX/XXXX my alleged account was placed into collections with XXXX XXXX XXXX XXXX. to assist in collection efforts. I was notified this on XX/XX/XXXX over 2 years after the date XXXX XXXX XXXX XXXX tried to sue me. I was never notified during the initial lawsuit and only discovered it after disputing the debt Discover notified me I was sued but the lawsuit was dismissed without prejudice on XX/XX/XXXX. 

I have disputed the accuracy of this account of almost 2 years and it always comes back verified as accurate but how could that be so If a judge dismissed a lawsuit I didn't know about? 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies states I'd like to add the payment history reporting is inaccurate and reports multiple subsequent negative postings

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Credit Services Inc.
State: FL

Complaint narrative:
First Credit Services reported a collection debt on my XXXX XXXX credit report on XXXX with original creditor of XXXX XXXX and recently updated on XXXX. However, First Credit Services has failed to notify of this account and effort to collect a debt. I was unable to dispute this directly with First Credit Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Accordance to 15 USC 1681a ( 2 ) I didnt give written permission to have these accounts reporting on my EXPERIAN XXXX XXXX CONSUMER 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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I explained thoroughly to the company that they are still showing late payments on a car they already have which is factually inaccurate. the company global lending is also showing that this is an installment loan on my account which is also false. the vehicle is no longer in my possession so i have the right to an accurate profile. gap has paid this financial company so the balance is also incorrect. everything about the report is not accurate. i have the right to an accurate credit profile and this company is making it hard for me to obtain new credit. This company is NOT Authorized to report anything i haven't giving written and expressed consent and must remove this account as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
To whom it may concern, this correspondence is being submitted to verify the fact that I, XXXX XXXX, would like to have specific information deleted from my credit report, due to the fact that I have been a victim of identity theft ; The charges in question were not made by me. I am respectfully requesting that these items be permanently removed from my credit report. I have complied with reporting the theft of my identity to the Federal Trade Commission. I also have copies of the Federal Trade Commission 's Identity Theft Affidavit. To review your records. As stated previously I am requesting to have the said Items removed from my credit report in a timely fashion. Thanking you in advance for your attention to this matter.

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 2024-03-11 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: TN

Complaint narrative:
I reviewed my consumer reports and noticed that I have an account with XXXX XXXX XXXX that has been charged off and late. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included a screenshot inside this complaint on dates of XX/XX/22. Please investigate and provide proof with statements showing that these payments were late and charged off. If proof can not be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thank you. Please see screensdhot attached :

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 2024-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: ME

Complaint narrative:
I was notified that I qualified for student loan forgiveness. My Department of Education account reflects no loans on file. The three credit bureaus also show these accounts as closed and inactive. Aidvantage sent me a notice saying my student loans were coming due. I told them that wasn't true and offered to provide documentation. They stated that I still had loans. If the holder of the loans- the Department of Education- says there are no more loans, then there are no more loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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