vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-22 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: PA

Complaint narrative:
Notice to agent is notice to principal notice to principal is notice to agent silence is acquiescence. 

I recently received a copy of my XXXX consumer report and I notice inaccurate accounts reporting on my consumer report this company is in clear violation of the law. 
15 U.S. Code 1681b

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: CA

Complaint narrative:
Box 1 : ATTN Fraud Department : Remove fraudulent accounts from 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 non-monetary relief
Consumer complaint received 2022-03-22 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau 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 bureau, as willful negligence and non-compliance with federal statutes. Please REMOVE the accounts in my Credit Report : XXXX XXXX XXXX XXXX  XXXX XXXX , XXXX XXXX XXXX XXXX  XXXX XXXX , XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
someone other than myself applied several times for a credit card XX/XX/2021 through capital one. 
the XXXX and XXXX have removed the hard inquires but XXXX XXXX has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: PA

Complaint narrative:
Pursuant 15 USC 1681b ( a ) ( 2 ) a consumer reporting agency may furnish a consumer report under following circumstances and no other in accordance with the written instructions of the consumer to whom it relates! I XXXX XXXX as the consumer has NEVER gave any consent for XXXX, Transunion or XXXX to furnish this account ( XXXX XXXX XXXX ) and inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX ) on my consumer report! As consumer reporting agencies, pursuant to 15 USC 1681e ( b ), you're failing to follow reasonable procedures to assure maximum possible accuracy of the information being reported on my consumer report. Your actions is damaging my reputation, character, credit worthiness!

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 2022-03-22 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Pursuant 15 USC 1681b ( a ) ( 2 ) a consumer reporting agency may furnish a consumer report under following circumstances and no other in accordance with the written instructions of the consumer to whom it relates! I XXXX XXXX as the consumer has NEVER gave any consent for XXXX, XXXX or Equifax to furnish this account ( XXXX XXXX XXXX  ) and inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) on my consumer report! As consumer reporting agencies, pursuant to 15 USC 1681e ( b ), you're failing to follow reasonable procedures to assure maximum possible accuracy of the information being reported on my consumer report. Your actions is damaging my reputation, character, credit worthiness!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
On XX/XX/2022 I received notification from the credit monitoring bureaus that I have a collection account on my report for {$700.00} for unpaid rent for my time living at XXXX XXXX between XXXX. The collection agency is FCO-Fair Collections and Outsourcing company at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. ( XXXX ) XXXX. 
I have never owed rent, all my rent were paid timely. Additionally I am in the state of NY and I was never taken to court by XXXX XXXX for the so-called unpaid rent, nor do I have any judgement for such an amount. This is a fraudulent charge by this company with fraudulent business practices. This company has harassed and tried to bully me in the past by repeatedly sending me texts and calls all hours of the day and night. Their calls/texts would start as early as XXXX and as late as XXXX with no exception regarding the day of the week. These disturbing calls and texts stopped only after I told them I would report them to the attorney general. I have enclosed the last text message received from them on Sunday, XX/XX/XXXX at XXXX. Their business practice are illegal, and has cost me getting denied for a new mortgage after placing an illegal collections account on my credit report, which dropped my score by XXXX points. I am writing this letter requesting your help with underhanded, fraudulent companies such as this. 
Thank you for your time and guidance on this matter, Sincerely, 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 explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: AK

Complaint narrative:
I received a letter from Specialized Loan Servicing that they have cancelled my home insurance policy because I have no proof to show them evidence that I updated my insurance. I have called Specialized Loan Servicing since the XXXX of XX/XX/2022 and talked to their agent regarding that I have an updated proof of my home insurance that I got from XXXX Umbrella insurance that has been effective since the XXXX to XXXX. I have been told by different agents that they have received my updated policy and different agents told me they havent on their data base system. I have been transferred several times by an escrow department and waited for over an hour for an agent to reach me back. An agent told to email my updated policy insurance to XXXX or go to : XXXX. I have been sending them documents every week and keep checking on the status if SLS department received my updated policy. Unfortunately, no response. I have been ignored for weeks. I have been checking my emails and no reply back from them for weeks. I decided to write the XXXX XXXX XXXX XXXX, The Federal Trade Commission & the Consumer Financial Protection Bureau for not being lacked not replying back to me and being transferred to different departments that they can not answer my question. Different agents said they got my updated insurance policy and some agents said they havent. I dont know who is telling the truth to me, but it frustrates me that I got the mail today that they cancelled my policy and noted : Return Insurance Refund I have taken a photo of this paperwork that I received from them in mail. I am a U.S. Veteran, a business owner, a XXXXXXXX XXXX XXXX from the XXXX XXXX XXXX XXXX, and a XXXX XXXX Degree holder. I Have never been humiliated by this Specialized Loan Servicing for not helping me out when I emailed them several times on my XXXX Umbrella Home Insurance. Please investigate on the agents who took my call and please investigate why they cancelled my home insurance policy when its already been updated through my military insurance. Thank you.

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 2022-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-03-22 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. Fortunately, in accordance with the FCRA Sections 6058,615 ( ) and 623 ( a ) 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victim 's credit report. 
Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency. I ask that you comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the *Identity Theft Report List of Fraudulent Accounts ''

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 2022-03-22 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my Experian consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-03-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had 4 transactions made out of my account that I didn't do. The way I found out that the transaction were made was when I was trying to use my card and had no funds. I called bank of america. They way we were able to track what transactions weren't mine. The way the their took out the money from the account was they checked the balance first and then they did a withdraw so each time they checked they wouldn't overwithdraw. Also some of the transactions were made in banks of America Iocations I have never been too. This is like the third time I get scammed and gave to fule a claim only this time no one is helping. All they asked for was a picture of my I.D and still denying the claim. I need my XXXX $ as soon as possible. Please help me they have denied my claim over 5 times

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-03-22 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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: FL

Complaint narrative:
As of XX/XX/2022, TransUnion is reporting that I have an installment loan with XXXX XXXX XXXX XXXXThey have failed to show that I have signed an installment loan contract with them. This account does not show up on my XXXX report of XXXX. In addition, TransUnion has a Department of Education account that doesn't show on my XXXX report. TransUnion has failed to show a signed document with my signature about this account. They also have two incorrect addresses on file. My address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX FL 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 2022-03-22 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: IL

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2022-03-22 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: MD

Complaint narrative:
Personal Information Incorrect : Previous addresses are incorrect on all three credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MO

Complaint narrative:
To whom it may concern, We bought a townhouse in XX/XX/XXXX with a mortgage from XXXX. After closing, XXXX transferred us to Mr. Cooper ( Nationstar Mortgage ). 

The issue here is that Mr. Cooper suddenly increased our monthly payment by {$300.00} in XX/XX/XXXX saying we have a shortage in our Escrow account, and we found that {$1500.00} has been charged in XX/XX/XXXX for home insurance from a different company than our existing home insurance company, XXXX. However, based on our final closing loan statement, we bought home insurance from XXXX and prepaid 15 months premium ( 12 months premium at closing, and 3 months premium to our Escrow account ). Representatives of Mr. Cooper said because they didn't get our home insurance information from XXXX, XXXX, and/or us when we were transferred to Mr. Cooper, they arbitrarily put home insurance on behalf of us without our permission ( or even notice ) to our Escrow account, which cost tripled than our existing XXXX  policy. We haven't received any notice/request/question from Mr. Cooper about our home insurance. 

Having troubled waiting and being ignored by the representatives of Mr. Cooper, we finally made it to have long and inefficient discussions with them, and they said they will try to cancel the redundant home insurance policy and refund the premium. 

First of all, we truly regret that XXXX transferred us to a " reputable '' mortgage company like Mr. Cooper, doing this absurd thing. We've been trying to reach them for two weeks with more than 8 calls and 3 emails. 5 out of 8 calls were not received after a 30-min wait each and 2 out of 8 calls were just suddenly hung up by the representative of Mr. Cooper in a very uncourteous way. 

Second of all, how could this happen earthly? Did XXXX drop our home insurance information when they transferred us to Mr. Cooper? Is this possible for financial institutions like XXXX and Mr. Cooper? 

Lastly, after all these troubles, Mr. Cooper is still saying we have to check again next week to see whether the fix has been made correctly. Still, nothing has been changed in our account on their website. Also, nobody says sorry to us so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: PA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-03-22 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: PA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation