vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-08 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-04-08 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-04-08 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: GA

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am very concerned because my credit reports are showing discrepancies. I am very concerned consumer and want only true information about me reporting and it is also hindering me from getting lines of credit. I have highlighted the discrepancies. Please remove this inaccurate information as you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing regarding my Equifax credit score that is totally wrong comparing to the 2 other credit bureau. My credit scores with XXXX and XXXX XXXX are very good when the one with Equifax is bad. All those XXXX credit bureau have the same information but 2 of them are very good when my Equifax credit score is bad. I called Equifax and they said that they did not see no negative activity on my report and they could not tell me why it is low. They also said it can be another factor why it is low. I start imagine that probably either race gender ethnicity is one of those factors with Equifax which is why my credit score is so low with Equifax. How my XXXX score is XXXX very good comparing with Equifax XXXX bad. All I want from Equifax is a accurate credit score. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Omega RMS, LLC
State: CA

Complaint narrative:
This company omega OMEGA RMS keeps supplying me with what ever information that they would like regarding my dispute and not what I ask for in my dispute. My dispute submitted via certified mail requested. Original contract with my wet ink signature what you supplied me with was something with a typed name and not even a date or a water mark to support it as a signature. I also asked for Proof that you are licensed to collect in my state ; and Your license numbers and Registered Agent or Agent of Service. I see that no where submitted to me. The info submitted through cfpb was dated on XX/XX/year> I submitted request in as of XX/XX/XXXX certified mail this is a violation of my rights as it has not be properly re investigated. My numerous calls and letters to this office does nothing the continue to violate my rights. They openly admitted that I did not receive correspondence from them within 30 days because they mad a mistake yet this account is still on my credit that is a violation. The company keeps telling me submit another dispute but they are sending the wrong info I have attached what I asked for and what they submitted they company told me that they are not required to prove they are licensed to collect a debt in my state Look at the addresss of my dispute submitted and there date verified and the addresss of communication The ftc has stated that a detailed print out of charges is not sufficient as verification yet this is what they send. And it does not contain my signature or a watermark to prove it is an electronic signature. Just typed anyone could have placed that. They have not gave me any information other about means of verification other than the company said it was verified

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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:
In light of recent developments, it has been brought to my attention that the creditor failed to furnish the required 21-day notice along with a statement, which would have allowed sufficient time for payment processing and thus, prevented any late payments from occurring on these accounts. This oversight has led to a misrepresentation of the payment status, suggesting a billing error on the part of the creditor. 

In response to this discrepancy, I kindly request tangible evidence from the creditor 's bank account, demonstrating any instances of non-payment that purportedly resulted in the reported late status. This evidence is essential for clarifying the circumstances surrounding the alleged late payments and verifying the accuracy of the reported information.

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 2024-04-08 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: GA

Complaint narrative:
I recently reviewed a copy of my consumer report. I was shocked to learn that Ive been a victim of identity theft. I am not liable to the debt with XXXX XXXX or any of these hard inquiries to that has been shown on my Equifax consumer report. I do not have any contracts with this collection agency or these companies, I did not sign any paperwork with the collection agency called XXXX XXXX or these companies with inquiries on my name. They did not provide me with the original contract as requested and is in violation of the FCRA subsection 1006.30a and because of this inaccurate information this is a violation of law 15 USC 1681 s-2. This has been an inconvenience to me and my family. I would like this to be removed from my report as soon as possible thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: FL

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I have a mortgage with Mr. Cooper - I received an email from them stating that they have taken out money from my escrow to pay for a flood insurance policy that i never agreed to have. i have had this loan for 2 years and last year and this year i have sent them proof of insurance for flood insurance that my XXXX company pays every year. Mr. cooper has taken out {$1200.00} on XX/XX/XXXX abd {$1900.00} on XX/XX/XXXX every time i call them - you can not get a live person. i also did a search on line and found alot of complaints that the public can not get a hold of a live person. I am requesting a total refund put back in my escrow account for a total of {$3100.00} I am praying that you can help me with this. I have never seen a mortgage company so unreachable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Ive called the companys and the hard inquiries and they are telling me they do Not have my name or Information on file and to call credit agencies

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 2024-04-08 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: VA

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding inaccurate accounts and information was submitted on XX/XX/year>, and I have not yet received a response.

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 2024-04-08 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding inaccurate accounts and information was submitted on XX/XX/2024, and I have not yet received a response.

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 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My credit score with Equifax dropped by XXXX points on XX/XX/year>, from XXXX to XXXX. This is the same day my bankruptcy came off of my record, after ten years. My credit score with XXXX and XXXX XXXX by XXXX points. 
I can not get anyone at Equifax to provide an explanation. I am trying hard to build my credit back up, and Equifax 's improper reporting is negatively affecting me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
Ive called and they are telling me there is. No information with my name birthdate or social on file and they cant help remove inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: IN

Complaint narrative:
I'm writing because too many have I reached out to the XXXX Credit Bureau XXXX Experian, and XXXX to be specific in regards to the inaccuracy of information being recorded and reported! 

So, I currently learning of these other databases that they all use! XXXX XXXX XXXX XXXX XXXX THERE INFO IS NOT UPDATED, OLD AND THEY AREN'T CURRENT, PLUS, not really how they received updates. I'm simply applauded to see the lack of record keeping here from all XXXXcompanies here! So, when purchasing a car the XXXX databases are reporting outdated information, never current plus painting me in a bad negative light!

I decided definitely to request a total wash-out of both hard and soft inquiries due to the unfair treatment of costing me a higher interest rate and principal, not to mention higher car payments, not to mention unable to save money! I'm super disappointed and disgusted in my founding! Especially, after XXXXbad cars in a roll. XXXX, the XXXX XXXX XXXX now the XXXX XXXX XXXX, both XXXXcyclinder they both should not be on the road. On the based of 15 USC 1861c and Section 623 and XXXX XXXX XXXX application XXXX dated XXXX XXXX XXXX XXXX XXXX ... and others

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 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
There are 8 open accounts with Nelnet so I am going to group all of them together rather than doing 8 accounts.

Pursuant to 15 USC 1692c. ( C ) ( 2 ) AND THE FAMILY AND EDUCATION Privacy Act of 1974. I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Zero out the balance on this account Deletion from all consumer reports Pay {$48000.00} in Civil Liability in accordance to 15 USC 1692k ( 48 various reports ) and an additional {$5000.00} in mental anguish for having false information/income on my credit report causing me to be denied credit. Totaling {$53000.00} in damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: CarMax, Inc.
State: IL

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 6 0 2 states I have the right to privacy ( 15USC 1681 ( 6 0 4 a section 2. ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a credit may not treat a late payment on credit card card on an open and consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I reviewed my credit report and saw hard inquiries I called they said they Dont have me on file

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I paid XXXX XXXX XXXXXXXX on XX/XX/XXXX for a home filtration system I never received the system. I couldnt get response from vender.so I called to dispute the charges on XX/XX/XXXX. Capital 1 gave me a dispute credit of the XXXX on XX/XX/XXXX. I provided all information and was told if they needed something they emailI heard nothing. On XX/XX/XXXX Capital reversed the XXXX dollars causing my account to go XXXX and XXXX XXXX bounce. I was never notified of dispute denied. I called immediately on Monday XX/XX/XXXX and talked on a recorded line to a gentleman whom told me hed reopen the dispute and assured me theyd redeposit the money in XXXX days. I called back on Thursday XX/XX/XXXX and was told the gentleman was mistaken no refund was happening. My XXXX XXXX thus bounced. They told me Id get proof of reason for decision on XXXX business days. Now the major confusion and what I believe hiding of their mistake and breaking of the law. I called Tuesday XX/XX/XXXX and was told to call back Thursday XX/XX/XXXX. I did they said it could take rest of the day call back XX/XX/XXXX. I did. I was then told it was emailed to me on Tuesday XX/XX/XXXX. I have received no emails from them since XX/XX/XXXX. I have received no hard copy mail or phone calls. They now said on Friday XX/XX/XXXX that they resend to email Id get in XXXX days. I requested hard copies to be sent to my address with poof of delivery. They said itd be XXXX business days. Its been XXXX weeks Ive been asking for proof of reversal. They say oh its the other part and they cant talk to customers well re request. I want to see what vender sent them. They with provide. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.

Complaint narrative:
So for the past year, I have been asking Equifax to update my phone number ( they have XXXX old ones on it ) and they keep sending an email stating that this matter has been taken care of and I would see XXXX or both off the account for about a day! Then, they all appear again. 

The only number that should be on it should be ( XXXX ) XXXX

Company response to consumer: Closed with explanation