vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-04 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : FRAUDULENT HARD INQUIRY I am hereby notifying you that these are fraudulent and neither on those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given permission to furnish this information. Having understood this is a violation of 15 U.S.C. 1681b. Both together and separately my consumer and privacy rights are being violated. The aforementioned fraudulent/unauthorized hard inquiries are to be removed from my consumer credit report and file IMMEDIATELY as the reporting of them has caused me and my reputation harm and discrimination. 

Without Prejudice, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
I am writing to file a formal complaint against Lakeview Mortgage and Mr. Cooper regarding their failure to make payments for my homeowner 's insurance coverage with XXXX XXXX, even though I have been paying into an Escrow account set up specifically for these payments. As a homeowner, I rely on my mortgage company to handle all necessary payments, including insurance, through my escrow account, which has been set up by the company. However, Lakeview Mortgage and Mr. Cooper failed to pay my insurance for over a year, resulting in the cancellation of my insurance policy. I have been a loyal customer of XXXX XXXX for 11 years and this negligence has severed that relationship. I was left without insurance coverage for over a year, putting my home, family and financial security at risk. The potential consequences could have been devastating. I was able to secure a new policy, however, the amount of this new coverage is increasingly higher than my old policy. What is even more concerning is that Lakeview Mortgage and Mr. Cooper only notified me when they needed proof of insurance, despite being responsible for making the payments themselves! This lack of communication and accountability is unacceptable. I urge you to investigate this matter thoroughly and hold Lakeview Mortgage and Mr. Cooper accountable for their actions. Homeowners should not have to worry about their insurance coverage due to the incompetence of their mortgage company- especially when they are making payments into an escrow account set up specifically for this purpose. Thank you for your attention to this matter. I look forward to a prompt resolution to this issue.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Spring Oaks Capital, LLC
State: SC

Complaint narrative:
I never had an account with the name they are listed as information is wrong on my credit report and account was sold off default during coved XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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:
I looked at my report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

[ XXXX XXXX XXXX XXXX XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, the account is not accurate.

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 2024-04-04 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
That they would delete off my credit reports but they havent its been three times

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 2024-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV funding likes to pass its debts between several of its own companies. They attempted to sue me in court and lost. I have an order of dismissal that was granted on XXXX XX/XX/2023. They were represented in court by an attorney and despite losing the case they chose to continue to report it and now outsource it to a company called XXXX XXXX XXXX XXXX received an email with the judge 's findings. A court has ruled on this case and despite having lost they continue to try and wreck my credit, harass me and just act dishonestly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: PNC Bank N.A.
State: FL

Complaint narrative:
I got a letter from PNC Bank saying I'm not responsible for a balance because of forgery. But now they're reporting three different amounts to three different credit bureaus. I only have one dispute with PNC Bank. Can you help me sort this out and tell me if I can take legal action?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: CA

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied for credit with CITI and was denied App # XXXX & XXXX. The reason they stated I was denied was due to information they recieved on a consumer credit report. This is against federal law in accordance with the Equal Credit Opportunity Act to proclaim an adverse action against a consumer. CITI has violated my federally protected consumer rights per the codes listed below. 
1. 15 U.S Code 1642 2. 15 U.S Code 1681 M 3. 12 CFR 1002

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX - Date : XX/XX/2023. XXXX XXXX - Date : XX/XX/2023

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 2024-04-04 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: MS

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from 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 non-monetary relief
Consumer complaint received 2024-04-04 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: CA

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. 

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 non-monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
Loan number : XXXX We are appealing this foreclosure due to incorrect modification. We spoke to XXXX XXXX on XX/XX/XXXX and XXXX XXXX, she stated we were approved for our loan modification on XX/XX/XXXX and they needed to have a notary come out and redo the documents.. They sent documents to XXXX XXXX address XXXX XXXX XXXX XXXX XXXX, Az XXXX to get signed and notarized, they were filled out incorrectly because XXXX XXXX and XXXX XXXX live in XXXX different states, so XXXX called and said she was going to send out new documents and have a notary come to each of our homes on XX/XX/XXXX which they did and we resigned the documents. As of today we tried to make a mortgage payment of XXXX and they said our loan was in foreclosure due to not receiving the loan documents on time which we did not have because the notary had them and sent them off. 

Someone needs to pull up the voice recordings when we spoke with XXXX because this is not our fault. This is an error on your behalf, and this needs to get resolved as soon as possible. We are not trying to foreclose on our house, we just moved into this house in XX/XX/XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: CA

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.

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 2024-04-04 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX  || Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX || Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX || Date of inquiry : XX/XX/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 2024-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 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: NY

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I disagree with the information listed in the consumer report after your investigation. I demand that these items be immediately reinvestigated. Several notices have been sent to each CFO ( XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ) and XXXX XXXX ( Equifax ) for verification. A copy of these notices has been attached. The inaccurate and unauthorized information are very harmful to my creditworthiness and my ability to extend my use of credit. Previous information that was brought to your attention as verified was recently deleted after reinvestigation. I also request that you provide me with details regarding the method used in conducting the investigation, including the names and contact information of any individuals involved, and a summary of the procedures followed. I expect to receive a written explanation of the results of the investigation, along with an updated copy of my credit report reflecting any necessary corrections or deletions. 
Unauthorized Accounts : Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. These below accounts were not authorized by me. If these agencies are verifying that these accounts are authorized by me, I am demanding to see the original signed agreement or contract that grants them authorization. 
XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate Late Payments, I dispute the accuracy of these late payments as they are erroneous and do not reflect my payment history accurately. Its information falsely manipulates my credit worthiness and it's hurting my ability to obtain the best credit rates. 
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 2024-04-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I disagree with the information listed in the consumer report after your investigation. I demand that these items be immediately reinvestigated. Several notices have been sent to each CFO ( XXXX XXXX ( Experian ), XXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX ) for verification. A copy of these notices has been attached. The inaccurate and unauthorized information are very harmful to my creditworthiness and my ability to extend my use of credit. Previous information that was brought to your attention as verified was recently deleted after reinvestigation. I also request that you provide me with details regarding the method used in conducting the investigation, including the names and contact information of any individuals involved, and a summary of the procedures followed. I expect to receive a written explanation of the results of the investigation, along with an updated copy of my credit report reflecting any necessary corrections or deletions. 
Unauthorized Accounts : Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. These below accounts were not authorized by me. If these agencies are verifying that these accounts are authorized by me, I am demanding to see the original signed agreement or contract that grants them authorization. 
XXXX XXXX XXXX XXXX XXXX XXXX  Inaccurate Late Payments, I dispute the accuracy of these late payments as they are erroneous and do not reflect my payment history accurately. Its information falsely manipulates my credit worthiness and it's hurting my ability to obtain the best credit rates. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief