vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-03 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: MO

Complaint narrative:
I'm a federally protected consumer and my rights as a consumer have been violated by TransUnion, XXXX, and XXXX. The biggest violations being my right to privacy as a consumer and furnishing information to my consumer report without my written consent, also being actively involved in the buying and selling of my personal identifying information for profit better known as aggravated identity thief, aiding and abetting debt collection agencies in furtherance of a crime. I started my dispute process back in XXXX it is now XXXX and the same inaccurate, erroneous information is still being reported even after I've pointed out the various inaccuracies throughout my consumer report It keeps coming back as " verified ''. I'm aware that it is not in TransUnion, XXXX, or XXXX best interest to remove accounts from consumer reports because they all profit from the information furnished on a consumers report whether that information is right or wrong. But they are supposed to honor Metro 2 Compliance as well as maintain 100 % accuracy on ALL CONSUMER REPORTS. If TransUnion, XXXX, or XXXX actually abide by Metro 2 Compliance then each and every consumer report would show the exact same information across all 3 reports which it does not. So they're not even complying with their own policies and procedures so I know for a fact that they do not care about a consumers rights under the FCRA, FDCPA, or TILA. Congress defines TransUnion, XXXX, and XXXX as " elaborate mechanisms '' who assumed their positions. I'm tired of the 30, 45, or 60 day waiting periods for a consumers disputes to be responded to, especially when there isn't an actual " investigation '' being conducted through " e-OSCAR ''. It literally takes " e-OSCAR '' seconds to process a dispute letter which is why it was put in place but it was created with bias towards consumer reporting agencies due to it's ability to search for keywords in dispute letters and " auto generate '' a response based solely off verbiage not an investigation of the facts presented. A reasonable investigation is not " automated ''. Again these " elaborate mechanisms '' are continuously deceiving consumers day in and day out without repercussion, this has to stop sooner than later.

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 2022-03-03 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: KS

Complaint narrative:
SEVERAL times I have disputed a collection on my TransUnion report. The same one that XXXX and XXXX already removed because it was due to identity theft. TransUnion REFUSES to remove it from my credit report somehow verifying it after I showed emails that I sent in regard to it being fraud etc!

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 2022-03-03 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: FL

Complaint narrative:
I was checking my credit report and these accounts still on.. I already sent few rounds of dispute about them. I believe that someone have my personal information. Its not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Grain Technology, Inc.
State: CA

Complaint narrative:
I recently bought a copy of my credit reports and to my surprise and without my knowledge, there is an account reporting on my credit that does not belong to me. I recently contacted the creditor Grain, and they could not verify the debt was mine at all yet it is reporting on my credit report. This account was digitally opened by someone and now it is reflecting negatively on my credit reports. The original creditor can not verify that the account belongs to me and i do not believe i should be penalized for actions i did not commit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: MI

Complaint narrative:
I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned item lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, is the item they failed to verify : XXXX XXXX XXXX Balance : {$860.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
My FICO with experian went down from XXXX to XXXX after they reported a late payment that does not exist wit XXXX XXXX XXXX. I have never had a late payment in my credit history. I tried to do a dispute online, and their site as not working, I called them, and call the with my Experian account in front df me with a open Credit Report as of XX/XX/2022 and the person at the other end tells me that there were no late payments in my report. I explained to him that the decrease in my Credit Report was also showing in MyFico site, and he kept insisting that at his end everything was fine and he could not explain why my Fico Score decreased more that 50 points. As asked to dispute the Negative mark in my report and he told me that he could not do it. So I asked to talk to a supervisor, was put on hold for 30 minutes and no one answered. So no dispute, no late payment in their report, late payment on more and I lost more than 50 points in my CR. I anyone in Charge?

This may have happened because we had a serious car accident, XXXX told us to stop the payments, actually the account shows as CLOSED in my report. ( See attached XXXX XXXX ). When I talked to the they show the account as OPEN????, even though in the report in front of me shows up as CLOSED

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 2022-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
This is my 2nd complaint with the company and for the same issue - the first one was resolved satisfactorily but they have made the same error again.

I recently used a promotional check with a 0 % rate for 12 months. The charge appears on the statement with a 24.99 % rate, which is the after-promo rate. I called them and they said that the promo rate was 24.99 %, which is again not correct.

I am asking the to correct their mistake and honor the 0 % rate for 12-months that was promoted on the check that was used.

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 monetary relief
Consumer complaint received 2022-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The CBE Group, Inc.
State: VA

Complaint narrative:
I moved out of a property and never received a notice that there was an amount due of {$100.00} from XXXX XXXX. I had a credit report run for a mortgage loan pre-approval over 2 years after I moved out and this amount due was brought to my attention on XX/XX/2022. I immediately contacted the collection agency ( XXXX ) and creditor ( XXXX XXXX ) to satisfy the balance and ask that the reference be removed from my credit report. 

The collection agency recommended I contact the creditor to have this amount paid in full. Upon speaking with the creditor ( XXXX XXXX ) and paying the amount in full, they said I need to speak with the collection agency ( XXXX ) and that they would be able to delete the reference from my report. After speaking with XXXX several times, they sent a letter of satisfaction on XX/XX/2022 that stated the amount has been paid in full but this was not a letter of deletion. This reference on my credit report is still not being removed and significantly impacting my credit score. I have attached all relevant documents to this account and also the letter stating that this amount has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: ACIMA CREDIT, LLC
State: NY

Complaint narrative:
On the XX/XX/2022 i received an alert from my credit report on my XXXX  app i notice a new inquiry was added to my report ( Acima Digital FKA ACCOUNT # XXXX ACCOUNT TYPE/ LEASE DATE OPENED XX/XX/2022 STATUS OPEN STATUS UPDATE XX/XX/2022 BALANCE {$2600.00} BALANCE UPDATE XX/XX/2022 RECENT PAYMENT $ 0 MONTHLY PAYMENT {$220.00} ORIGINAL BALANCE {$2600.00} HIGHEST BALANCE {$0.00} TERM 12 MONTH COMPANY ADDRESSXXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX UT XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I sent a letter to XXXX about some credit cards they have reported to my consumer report and your company has not sent me : The contract/agreement I signed legally binding me to this alleged debt The information you used for fraud prevention and to verify my identity as the responsible person qualified to establish this account The steps you took to verify my eligibility to establish this account ( ie, employment verification, residence verification, etc. ) Verification of accurate billing ( ie, every single itemized statement, payment, credit, interest added, disputed charges, etc. ) from the time this alleged account was first established A notarized statement on your letterhead which will attest to your compliance to the FCBA generally and to my account specifically throughout the period you claim I was a customer A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions correct? ). 
A full file disclosure. 
An itemized statement breaking down the balance you claim I owe. 

I gave them 15 days and they sent me monthly statements and something that looks they printed of with my social and address this is unacceptable and I want the information that I requested or these credit card accounts need to be deleted from my consumer report I've even called and they can not locate these accounts This is another attempt to get me the information that I need

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 2022-03-03 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I sent a letter to XXXX about some credit cards they have reported to my consumer report and your company has not sent me : The contract/agreement I signed legally binding me to this alleged debt The information you used for fraud prevention and to verify my identity as the responsible person qualified to establish this account The steps you took to verify my eligibility to establish this account ( ie, employment verification, residence verification, etc. ) Verification of accurate billing ( ie, every single itemized statement, payment, credit, interest added, disputed charges, etc. ) from the time this alleged account was first established A notarized statement on your letterhead which will attest to your compliance to the FCBA generally and to my account specifically throughout the period you claim I was a customer A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions correct? ). 
A full file disclosure. 
An itemized statement breaking down the balance you claim I owe. 

I gave them 15 days and they sent me monthly statements and something that looks they printed of with my social and address this is unacceptable and I want the information that I requested or these credit card accounts need to be deleted from my consumer report I've even called and they can not locate these accounts This is another attempt to get me the information that I need

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 2022-03-03 00:00:00
Product: Credit reporting, credit repair services, 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: OH

Complaint narrative:
Synchrony bank pulled a hard inquiry on my credit report on XX/XX/XXXX2022 without my authorization/ consent. I disputed the inquiry with XXXX and it came back in the lenders favor. I called synchrony bank and they only have record of an old account that was settled. I called the number on the credit report and it rang until going to wireless caller voicemail

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 2022-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am requesting all credit reporting agencies immediately remove from their information my XXXX misdemeanor XXXX XXXX XXXX from their files. Most states remove their records that type of information after XXXX years. In VA it is XXXX years. Please work with all the credit reporting agencies to have that removed completely from their data. My file has both civil and criminal and I want both removed. That would resolve the issue.

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 2022-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am requesting all credit reporting agencies immediately remove from their information my XXXX misdemeanor XXXX XXXX XXXX from their files. Most states remove their records that type of information after XXXX years. In VA it is XXXX years. Please work with all the credit reporting agencies to have that removed completely from their data. My file has both civil and criminal and I want both removed. That would resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: MI

Complaint narrative:
I have been reaching out to TransUnion, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from TransUnion and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX Balance : {$370.00} XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$790.00} XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX 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 2022-03-03 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XXXXXXXX XXXX 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: TX

Complaint narrative:
I contacted this credit reporting agency, regarding accounts that was reporting inaccurate, and inconsistent information, and I was notified that their investigation conformed that these accounts were accurate and verified but I asked for a copy of " signed contracts '' and receipts of investigation, and for the bureau to investigate why this information that they are reporting is inconsistent with other reporting agencies. A investigation was not properly completed AND THE INFORMATION ON THE CREDIT FILE WAS NOT VERIFIED, and I was not given any of the documents that was requested, nor was a proper investigation was completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: FL

Complaint narrative:
On XX/XX/XXXX I sent in a payment to Midland Mortgage in the amount of {$860.00}. I later on received a statement stating that my mortgage was modified and my payment would be reduced to {$210.00}?? So on XX/XX/XXXX I requested that {$300.00} be return to me and they approved my request. XX/XX/XXXX I called them to let them know I did not receive the reverse payment of {$300.00}. They stated that they couldnt return just the {$300.00} that they had to reverse the full amount. I said fine Why wasnt I told that at the initial conversation. XX/XX/XXXX still no funds applied to my account for {$860.00}. XX/XX/XXXX called Midland to ask about funds stated that since I did the transaction through Bill Payer 3rd party they would have to send the funds there then they would apply to my account. I said what do you mean cant you just reverse the charges, in which they stated no they couldnt and had to send a check to Bill Payer 3rd party. I said fine was their any proof for security reasons a tracking number or how was it mailed? They did not know but would call me and give me more info on that. 
XX/XX/XXXX spoke to XXXX supv stated that a check for {$860.00} was sent to regular mail through the post office box on file in the name of the 3rd party Bill Payer with no security or certification what so ever. I said how can a bank send out such a large quantity of funds through regular mail with no secured application?? Now XX/XX/XXXX no funds have been applied to my account and now no way to find out where this check is and no payment has made made on my mortgage for XXXX and now late for XXXX. 
How can this be possible dont they have to by law send out funds with some kind of security measures? I would never send any funds anywhere without some kind of security or certification or proof. They XXXX XXXX has advised me that to wait 20 days if I dont recvd the funds and within 3-5 business days they would issue another check to Bill payer.

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