vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-30 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2023-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I currently have a car from XXXX with synchrony credit card company. I have an issue with the disclosing of information they have. I made a payment and they show that the payment posted and later they showed that there was a late fee for {$30.00} kept wondering why call them I said your payment history shows that the payment posted but Im being charged {$30.00} late fee wise that then they notify me that the payment had not posted I told them it was misleading for them to show the payment as posted if the payment has not gone through and that completely confuses me as a customer thinking that I wont be reported late because I am going based on their information that says that the payment posted so I feel that them disclosing dad its putting me as a consumer in a situation, where if I am unaware that the payment they reposted they are disclosing false information, giving me the full sense and then reporting me late Lucky for me. I was able to make the payment in cash the problem right away but this is a big deal because this company has engaged in situations where they dont either notify the customer. They post the inaccurate information and they need to have somebody review what they do so they

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 2023-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
It is TRANSUNION 's duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. TRANSUNION is reporting XXXX inaccurate late payment for the XXXX XXXX XXXXXXXX account ending in XXXX. This includes a 30 day late payment posted in XX/XX/2021. This is incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes this late payment resulting in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish this inaccurate late payment on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

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 2023-01-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC
State: NY

Complaint narrative:
Right before Covid hit we submitted all the documentation to refinance and lower our interest rate with Flagstar. We received the approval and all the paperwork from Flagstar and continued to pay our mortgage payment at the new lower rate. Almost one year later we were notified that XXXX XXXX had rejected our refinancing and kicked the refinance back with no explanation. Also during this time we were furloughed for a few months due to covid so started a forbearance plan. As soon as we were back to work we resumed payments but now they were at our original higher mortgage payment. Now they are saying we are delinquent for the months of the forbearance PLUS the difference for the whole year we were paying the lower mortgage amount that they approved. We have spoke to their loss mitigation department to try to arrange a modification for the overdue balance. Originally they stated we were fast tracked for a Disaster modification plan and we submitted all the paperwork which is attached. After almost a year of still making our monthly payments now they say we have to submit another application for loss mitigation. We do not have a lump sum to pay back what they are saying we owe. All we want is a repayment plan or a modification- we have proven that we can successfully pay our monthly amount, but we don't think we should be punished for not being notified for over a year that our refinance was kicked back. The constant calls and letters with no help but threatening of foreclosure even though we are paying our monthly payment are very upsetting and stressful. We just want a resolution to this matter which has been going back and forth for over a year.

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 2023-01-30 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: PA

Complaint narrative:
My name is XXXX XXXX. I have several fraudulent inquiries on my consumer report. I have reported identity theft to the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX. I have several fraudulent inquiries on my consumer report. I have reported identity theft to the FTC.

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 2023-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CO

Complaint narrative:
$ XXXX taken from my checking acct for a house I was trying to rent in XXXX On XX/XX/XXXX, I was searching for houses. I went on XXXX because all the normal sites weren't getting back to me. I was in a very desperate situation, trying to get out of an abusive living situation with my son. I found someone looking to rent their house out as a private landlord. I scheduled a tour that afternoon around XXXX. I used a code to access the property. We agreed on an immediate move-in for the next day. 

Things got really weird once I sent the money, but at that point it was too late. My acct had already authorized the payment. I was vulnerable and the person took advantage of my situation. I went back and forth with them for a few days, but eventually just blocked them cause it was getting me nowhere and they were harassing me. I filed a report with XXXX and they were unable to recover the funds. 

The person said their name was XXXX XXXX XXXX XXXX XXXX XXXX on the lease ). I think he might have been using a voice app or something because at times it sounded like he had a heavy XXXX accent. They also had the following emails associated with them : XXXX XXXX XXXX The man said his wife 's name was XXXX XXXX, which is who the money ended up getting sent to. They then told me I would have to pay an extra {$500.00} to move in and even more money to receive a refund. Total scam. 

I also filed a report with XXXX XXXXXXXX  who the home is apparently owned by. I wanted to submit this in case there is a way you can help me recover the funds, or if you have other people who have reached out about the same issue. 

*This is all the information I provided in a police report to XXXX XXXX on XX/XX/22. They got back to me and said these scams are at an all time high and are unable to open a case for something like this. 

Person scammer posed as : Name XXXX, XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX, CO XXXX, XXXX Home Phone XXXX Email XXXX I have gone back and forth with Zelle and XXXX with no resolution whatsoever. I was on the phone with Zelle while I was sending the money and they told me that I could call them the next day if it actually left my acct and they would help me. When I called back, they then told me I would have to go through my bank. My bank was no help... even though XXXX XXXX XXXX apparently owns part of Zelle. Seems like a good way to XXXX over consumers. 

$ XXXX is A LOT OF MONEY. Especially for a single mom living off one income. 

Please help me resolve this issue!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: National Credit Adjusters, LLC
State: GA

Complaint narrative:
I was checking my credit yesterday XX/XX/2023 because i want to buy a house and noticed erroneous infornmation on my credit profile. below is the information. 

Account Name : XXXX XXXX Account Number : XXXX Amount Owed : {$760.00} Account Name : XXXXXXXX XXXX Account Number : XXXX Amount Owed : {$1000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Amount Owed : {$600.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Amount Owed : {$610.00} Account Name : NATIONAL CREDIT ADJU Account Number : XXXX Amount Owed : {$310.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Amount Owed : {$400.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Amount Owed : {$220.00} Account Name : XXXX XXXX Account Number : XXXX Amount Owed : {$750.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Amount Owed : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Amount Owed : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Amount Owed : {$200.00} Account Name : XXXX XXXX Account Number : XXXX Amount Owed : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I was checking my credit yesterday XX/XX/2023 because i want to buy a house and noticed erroneous infornmation on my credit profile. below is the information. 

Account Name : XXXX XXXX  Account Number : XXXX Amount Owed : {$760.00} Account Name : XXXX XXXX Account Number : XXXX Amount Owed : {$1000.00} Account Name : LVNV FUNDING LLC Account Number : XXXX Amount Owed : {$600.00} Account Name : LVNV FUNDING LLC Account Number : XXXX Amount Owed : {$610.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Amount Owed : {$310.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Amount Owed : {$400.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Amount Owed : {$220.00} Account Name : XXXX XXXX Account Number : XXXX Amount Owed : {$750.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Amount Owed : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Amount Owed : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Amount Owed : {$200.00} Account Name : XXXXXXXX XXXX Account Number : XXXX Amount Owed : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: IL

Complaint narrative:
I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX IL XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2023-01-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Mr. Cooper is supposed to automatically pull our mortgage payment on the XXXX of the month. This has consistently failed to occur, despite receiving emails thanking us for our payment. Weeks later, when the next payment is due, Im notified that I owe double what I should plus late fees. This has happened multiple times. Ive even paid the double month mortgage just to get back on track and the issue comes up again. They are trying to charge me hundreds of dollars for insufficient funds weeks after the money was supposed to have been pulled, when the money was ready to be pulled and dedicated to the mortgage. We have encountered financial difficulties the last 4-5 months and have stayed on top of all bills, all obligations, despite a cut in income. I had a previous mortgage with XXXX and never missed a payment. I got this current mortgage through XXXX and was notified that they sold it to NationStar/Mr. Cooper. This initial period was difficult, too, because of Nation Star and Mr. Cooper and XXXX XXXX XXXX all contacting me as though they were my lender for the mortgage. My family reached out to them to ensure our mortgage was paid and autopay was set up. Despite autopay being set up, it did not pull. So we opted to pay ourselves. This still didnt work, because- again, despite receiving emails thanking us for our payment, the funds werent drawn for weeks. This makes budgeting during financial hardship with a new baby and a XXXX veteran spouse as an XXXX XXXX military mother that much more frustrating. I do not want to continue to watch my credit score plummet and have added stress despite having budgeted for the mortgage payment at a specific time of the month and having those funds available at that point. I do not want to work with this bank, had I had a choice I would not have chosen them. This is horribly frustrating as someone who never misses a payment. I advise anyone who has a choice to pull their funds, switch financial institutions or avoid Mr. Cooper in the first place. Ive called them to address this multiple times over the last few weeks and no good has come of it. Im writing this now after waiting on hold for XXXX minutes, finally getting a representative and explaining my situation, then having them accidentally disconnect the line. Nobody has attempted to call me back and reengage. This is typical. Do not work with Mr. Cooper, protect your money, your health and your family and avoid them at all costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
n accordance with the fair credit reporting act XXXX XXXX XXXX credit # XXXX, has violated my rights 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 an account without my written instruction.

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 2023-01-30 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: OR

Complaint narrative:
The credit bureaus put a statement on my report but DID NOT remove the inquiries that were a result of fraud. Delete these immediately. 

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 2023-01-30 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
The credit bureaus put a statement on my report but DID NOT remove the inquiries that were a result of fraud. Delete these immediately. 

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 2023-01-30 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: TX

Complaint narrative:
n accordance with the fair credit reporting act XXXX XXXX XXXX credit # XXXX, has violated my rights 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 an account without my written instruction.

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 2023-01-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
n accordance with the fair credit reporting act XXXX XXXX XXXX credit # XXXX, has violated my rights 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 an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I am currently enrolled at XXXXXXXX XXXX XXXX University as a full time in person student. Navient is refusing to recognize this and are trying to force me to pay while I'm in school while ignoring all the documents I've sent them proving that I'm currently enrolled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: W&A Intermediate Co., LLC
State: PA

Complaint narrative:
Under the Fair Debt Collections Practices Act ( FDCPPA ), I have the right to request and receive validation of the debt. However, I never received proof that I am the party they are asking to pay the debt, or the date of the alleged medical service, or proof of any contractual obligation which is binding me to the debt. 

In addition, I never received a copy of any alleged agreement with my signature that I agreed to pay this creditor or a copy of a HIPAA authorization, since this is a medical account. 

The name of the company that has been taking actions against me is Wakefield & Associates. It shows on my credit report that the date it was opened was XX/XX/2021. The balance is showing as {$1000.00}. 

I have tried disputing this information with the credit bureaus multiple times and they are refusing to delete the information, despite it being a violation of my rights to be held responsible for a debt that has not been verified or proved to be mine and that is a clear breach of security.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had one late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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