vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-22 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: NY

Complaint narrative:
My name is 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 non-monetary relief
Consumer complaint received 2023-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I did not authorize the credit inquiries below, please remove them from my TransUnion and XXXX credit reports. I called TransUnion, and they told me, I needed to file this report to have items removed. 

TransUnion 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 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 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 2023-02-22 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: NY

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THESE ACCOUNTS WERE NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: AL

Complaint narrative:
I filed a complaint with the Consumer Financial Protection Bureau about not being able to get a free report from Experian. I was told they needed more time to fix this problem. Now, I am getting emails from Experian, however when I tried to read these emails I am being required to provide information which I don't have on order to sign in. Why can't they send me a response through the XXXX. Postal Service?

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 2023-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
A Capital One account was added to my credit report in XXXX after it was received by a collections agency, XXXX XXXX XXXX XXXX in XX/XX/XXXX. It's showing the Capital One account was opened in XX/XX/XXXX. For the past XXXX years I have been contacting XXXX XXXX XXXX to obtain verification of this debt. The only information they have provided me are copies of billing statements. I confirmed today ( XX/XX/XXXX ) they do not have a copy of the original contract/application so I can confirm how this account was opened. I am not sure how a collection agency say I have a debt, but they can not provide documentation showing how the account was opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: FL

Complaint narrative:
XXXX and XXXX XXXX XXXX XXXX has failed to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account # XXXX was deleted from TransUnion XXXX XX/XX/2022 and then reinserted on the credit report on XXXX XXXX which violates FCRA 15 usc 1681i - reinsertion after deleted materials. 

( 5 ) Treatment of inaccurate or unverifiable information : ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

This also violates FCRA 15 usc 1681 ( b ) once the account was deleted from my file, the information may NOT be reinserted in the file unless it was certified complete and accurate, which is not due to the many inaccuracies of the verified date, date reported, date opened and last payments. 

Lastly, it violates FCRA 15 USC 1681 ( ii ) Notice to consumer. 
If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I was never notified of the reinsertion in writing within 5 business days of the reinsertion and I never authorized this to take place. I have contacted the Attorney General 's Office, XXXX  and the CFPB numerous times and nothing has been done about the violation of my consumer rights. 

I am demanding that this debt be entirely removed from all three credit bureaus or I will be seeking statutory damages as NFCU willfully violated its obligations under the FCRA.

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 2023-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paradigm Assets, LLC
State: CT

Complaint narrative:
To Whom It XXXX Concern, Company : JHPDE FINANCE I , LLC Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Per 15 U.S. Code 1692f - Unfair practices A debt collector XXXX not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 
( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than XXXX days unless such person is notified in writing of the debt XXXX intent to deposit such check or instrument not more than XXXX nor less than XXXX business days prior to such deposit. 
( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution. 
( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument. 
( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees. 
( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement. 
( 7 ) Communicating with a consumer regarding a debt by post card. 
( 8 ) Using any language or symbol, other than the debt XXXX address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector XXXX use his business name if such name does not indicate that he is in the debt collection business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
All XXXX of the bureaus have had over XXXX  days to comply with the deletion of their erroneous credit reporting for the fraudulent accounts they are reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: AAA Auto Title Loans, LLC
State: AZ

Complaint narrative:
I have a loan with Cash1 I have been making payments to them got laid off for the virus and sent the a email told them to take out of the XXXX and XXXX so I can still be able to pay the account In XXXX my balance was XXXX now it is XXXX and shows no payment made to them. I have asked for a statement no reply so since the they have received 2 payment of XXXX XXXX time a month and nothing taken off but only added on. 
Do I not have a right to see a statement of my account I do not really know what I owe and I thought when I made a payment I should be able to see the charges and what the do with the payment

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: PA

Complaint narrative:
United Wholesale Mortgage and XXXX XXXX XXXX refinanced our mortgage in XXXX of XXXX. On XX/XX/XXXX I went online to pay my mortgage as I have done every month since the refinance. I noticed that my account stated that I must pay {$10000.00} by XX/XX/XXXX or else my mortgage payment would double for the next XXXX  months. 

After contacting UWM I found that my escrow account had been in arrears and this was the reason for the need to pay {$10000.00}, none of which would go toward my principle. It happened that we had received an insurance payout from the loss of my mother no more than XXXX days prior or I would not have been able to make any payment. I was not able to pay the entire amount so I paid {$5000.00} and said that I would most likely be able to pay the rest by XXXX. At that time I was told that even after paying the XXXX, my monthly mortgage payment was increasing from {$1300.00} per month to a whopping {$1800.00} for the next XXXX  months and that a reassessment would be done in XXXX of XXXX. After making this payment my account on the website was showing that my next monthly payment was not due until XXXX of XXXX. 

On XX/XX/XXXX I called UWM again to pay the remaining {$5000.00}. At that time I was told that I actually owed {$5700.00}, and that I would need to make a payment of {$1800.00} in booth XXXX and XXXX, and every month thereafter. 

While my property taxes did go up, they only went up by {$2000.00}. Bottom line is that the title company grossly underestimated my escrow payment, without the tax increase. And the bigger problem is that UWM never notified me at any time until my phone call on XX/XX/XXXX that my escrow account was low or empty. I was told that I had opted for digital communication and that was the reason. Last time I checked email was digital communication. I have received at least XXXX emails from them since, but none since XX/XX/XXXX when I set up my online account and received a confirmation email. 

This error is unconscionable and would cause a majority of homeowners into foreclosure. There needs to be some repercussion for the title company 's careless calculation of escrow and UWM 's negligence through failure to notify me of the escrow deficit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ascendium Education Group
State: IN

Complaint narrative:
I attended XXXX from XXXX. I withdrew because I was lied to about transferring my credits. In XXXX I applied for XXXX XXXX for XXXX and was denied. In XXXX, my student loans were XXXX due to being a permanently XXXX veteran. I wanted a refund on all the payments and offsets paid on my student loans. In XX/XX/XXXX XXXX advised me I would have to reactivate my loans to get a refund. On XX/XX/XXXX I received a letter from XXXX that my loans were reactivated. I was told that ascendium had my loans. Then after contacting ascendium I was told by them that the debt resolutions group had my loans. I contacted them and was told that to send him had my loans. When I go on the federal student aid website it states that navient has my loans. So after contacting all these companies I found out that ascendium does have my loans even though the federal student aid website states that navient has my loans. I contacted ascendium about getting a refund and they sent me an email from the XXXX  stating I would have to contact the XXXX XXXX XXXX for a refund. Then about XXXX weeks ago I received a check in the mail from the Department of Education for {$1000.00}. I called the federal student aid customer service to find out what that check was from and nobody knows. I contacted the sending him XXXX again and they stated that they can't give me a refund once again and I would have to contact the XXXX XXXX XXXX XXXX. I contacted the XXXX XXXX XXXX XXXX and they told me it's ascendium who would have to give me a refund since they acquired my loans in XXXX from navient and navient got my offset in XXXX. I'm being put in circles and nobody will give me an answer. I also have a XXXX XXXX  Application that is pending that I resubmitted in XXXX just at my own advice because nobody was telling me what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: NJ

Complaint narrative:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

BANK XXXX XXXX XXXX BANK XXXX XXXX XXXX FST XXXX  XXXX XXXX COMM XXXX XXXX XXXX XXXX FIN XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX SER XX/XX/2021 XXXX CARDS XXXX XX/XX/2021 XXXX SER XX/XX/2021 XXXX CARDS XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021

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 2023-02-22 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: NJ

Complaint narrative:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: GA

Complaint narrative:
Ive went over my credit report as i am trying to purchase a house and i have sent multiple disputes to this credit reporting agency, with whom are violating many consumer laws 15 U.S. Code 1681g - Disclosures to consumers, being XXXX & also 15 usc 1681 ( a ) ( 4 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I have filed a dispute in regard to the incorrect items on my credit report, it has been over XXXX days and I haven't received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Removing hard inquiries from my credit

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 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I have already sent a letter to the XXXX, XXXX, and Transunion Credit Bureaus last XX/XX/XXXX requesting a verification and deletion of information on my credit file which I found to be fraudulent. Upon reviewing a copy of my updated credit report, most of the fraudulent items are still reporting on my credit report. I have been waiting for a response from the credit bureaus and yet I received nothing. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Based on the previous information, I am hereby demanding deletion of the disputed accounts from my Credit file pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( a ). I will NOT accept another reinvestigation of the account, ONLY deletion.

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 2023-02-22 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: MI

Complaint narrative:
All three of the bureaus have had over 15 days to comply with the deletion of their erroneous credit reporting for the fraudulent accounts they are reporting on my credit 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 explanation
Consumer complaint received 2023-02-22 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: MI

Complaint narrative:
All three of the bureaus have had over 15 days to comply with the deletion of their erroneous credit reporting for the fraudulent accounts they are reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: TN

Complaint narrative:
chime is an absolute scam. I have opened an account and as soon as I send money to it form my XXXX account. chime has locked access to my account. there is a message showing up I should contact them at XXXX but they completely ghost me and do not even bother to reply. so basically they stole all my funds which have been sent to the account

Company response to consumer: Closed with explanation