vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-09 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: TX

Complaint narrative:
For the past 5 months I have followed the protocol and advice of this credit bureau for disputing inquiries on my credit report. I have disputed these inquiries via phone, fax, via my login on their website and in writing and have submitted complaints about their handling of this situation to cfbp and XXXX. I have contacted each supplier of the inquiry and they have sent request for the inquiries to be removed, and ONLY this credit bureau will not remove the inquiries. I have sent in my legal identifies ( ID, proof of address, police report, ftc report ) to prove these inquiries are fraudulent however they will not remove them. What I receive is notices stating I cant dispute online or they wont investigate because a 3rd party is submitting my complaints ( which is legally allowed ), I've even been told they don't have a credit profile for me. At this point the are hindering my legal right to have a accurate credit profile AND my legal right to dispute any inaccuracies on my report. The accounts associated with these inquiries were deleted under identity theft but they are telling my the inquiry is valid, by not removing them, how?

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 2022-03-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
For the past 5 months I have followed the protocol and advice of this credit bureau for disputing inquiries on my credit report. I have disputed these inquiries via phone, fax, via my login on their website and in writing and have submitted complaints about their handling of this situation to cfbp and XXXX. I have contacted each supplier of the inquiry and they have sent request for the inquiries to be removed, and ONLY this credit bureau will not remove the inquiries. I have sent in my legal identifies ( ID, proof of address, police report, ftc report ) to prove these inquiries are fraudulent however they will not remove them. What I receive is notices stating I cant dispute online or they wont investigate because a 3rd party is submitting my complaints ( which is legally allowed ), I've even been told they don't have a credit profile for me. At this point the are hindering my legal right to have a accurate credit profile AND my legal right to dispute any inaccuracies on my report. The accounts associated with these inquiries were deleted under identity theft but they are telling my the inquiry is valid, by not removing them, how?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Equifax has not removed the accounts. Am I to take from the actions of Equifax that they do not need my written consent to report these accounts as I have pointed out are a violation to me as per the codes 15 U.S.C 1681 section 602 A & 15 U.S.C 1681 Section 604 A Section 2? The following accounts need to be DELETED! I am being greatly damaged due to these reports as a consumer. 
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX- account # XXXX, and XXXX XXXX XXXX # XXXX XXXX have XXXX 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 instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Despite my account being current, timely payments made, and the latest statement showing a current balance, I still receive harassing robocalls from XXXX Bank XXXX The calls are harassing and after XXXX PM and back to back ( enclosed ). I have already notified XXXX Bank XXXX XXXX XXXX XXXX credit my account for the missing crypto, and adjust the balance to reflect the value of the agreed rewards. 

The undersigned contacted your office and left a voice mail requesting a callback, tried chat messages, and even a formal process. To date, no call has been returned. If we fail to hear from you within a reasonable amount of time, we will consider the terms rejected and pursue small claims.

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 2022-03-09 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: IL

Complaint narrative:
The accounts listed are fraudulent. I did not consent nor authorize these companies to benefit from my credit. 
XXXXXXXX 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 2022-03-09 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: CA

Complaint narrative:
XX/XX/22 at XXXXXXXX XXXX  I received a text alert from Transunion stating that a company asked for my credit report and they instructed me to long on to see if it was authorized by me. I logged on and the company was XXXX XXXX XXXX, which Ive never heard of, dont have an account with them, never applied or gave permission for them to check my credit. Transunion was closed so I had to wait until Monday, XX/XX/22 to contact them. I called the number shown on my report for XXXX XXXX XXXX on XX/XX/22 but they were closed. 
XX/XX/22 I contacted XXXX XXXX XXXX, spoke to XXXX. He checked and verified that I had not have any affiliation with their company. He then put me on very long holds several times to check why there was an inquiry. After being asked to hold a 3rd or 4th time I asked for a callback. XXXX called later that afternoon and told me that it was XXXX XXXX who provided them with my information and to contact XXXX XXXX. I contacted XXXX XXXX and was told they cant take it off. Contact the credit bureau or XXXX XXXX XXXX. I have contacted Transunion 3 times about this and all of the companies involved but everyone keeps passing the Buck. 
XX/XX/22 called Transunion again, they told me to get a deletion letter from XXXX XXXX XXXX. I again advised them that I have contacted XXXX XXXX  XXXX, they verified that I have no affiliation with them current, past or present and that they could not remove the hard inquiry. 
They referred me back to XXXX XXXX  and Credit Bureau. I have spent the better of 5 days trying to track down, investigate and resolve this matter that has impacted my credit without a resolution. How are these companies allowed to do this? I understand that companies do soft inquiries, most of which I dont recognize or authorize, for marketing purposes. The soft inquiries dont impact my credit but the hard inquiries that I dont authorize do. Please help!

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 2022-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA

Complaint narrative:
I applied for an auto loan and the dealership provided the required Request for Payment form to USAA. As requested, the dealer provided the Routing Number and Account number. USAA informed me ( the borrower ) that they did not receive the routing number and account number. When pressed ( over 2-3 days of repeated calls ), USAA admitted that they received the numbers but required a different set of numbers to complete an ACH transfer to fund the loan. The dealer immediately provided the requested information via email. Unexplainedly, on XX/XX/2022, USAA sent a bank check to the dealership via XXXX which was received on XX/XX/XXXX. USAA made the check out to the parent company and not to the automobile dealership, as directed. When I called USAA on XX/XX/XXXX to demand that they fund electronically, they refused and offered to put a stop payment on the check and re-issue the check. When I asked whether they would amend the " funding day '' to the day when the check was actually received by the dealership ( expected to be XX/XX/XXXX ), they refused. When I informed the representative that I thought such practices violated Federal consumer protection laws by charging consumers interest on loans they had not yet received, they were still unwilling to correct the funding date. 

Although the difference in the interest amount paid is negligible, if a wide-spread practice, the amounts wrongfully charged consumers may be substantial. If not an actual violation, clearly the conduct constitutes an unfair, deceptive, and abusive act/practice ( UDAAP ). 

Providing full disclosure, I was a CFPB XXXX XXXX XXXX for XXXX XXXX years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
When downloading my first report ( XXXX ), I tried to save, not print, the report, I timed out and had to log back in. Second, third and fourth attempts, without success, I called someone in the universe that connected me to a representative that said I had to subscribe to XXXX in order to save, not print, my reports. Great! free sign up BUT only for XXXX, not XXXX or TransUnion. 

Fifth attempt, the portal said I already accessed the reports ( I did not ) and would have to wait 7 days and try again. 

Why? 

I don't understand 1-How do you reach a HUMAN to discuss the current issue? 2-Why can't I save, not print these 60+ pages of each report? 3. It was a miracle I found the CFPB site, by accident, to ask these questions and perhaps by filing a compliant, we can get change ......

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 2022-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
When downloading my first report ( XXXX ), I tried to save, not print, the report, I timed out and had to log back in. Second, third and fourth attempts, without success, I called someone in the universe that connected me to a representative that said I had to subscribe to XXXX in order to save, not print, my reports. Great! free sign up BUT only for XXXX, not Equifax or XXXX. 

Fifth attempt, the portal said I already accessed the reports ( I did not ) and would have to wait 7 days and try again. 

Why? 

I don't understand 1-How do you reach a HUMAN to discuss the current issue? 2-Why can't I save, not print these 60+ pages of each report? 3. It was a miracle I found the CFPB site, by accident, to ask these questions and perhaps by filing a compliant, we can get change ......

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA
State: NC

Complaint narrative:
I submitted my XXXX application and they clearly did not evaluate any past payments made pre-consolidation. The temporary waiver states that regardless of payment plan, if you were working for a qualified employer that the payments would count if they were made on time and for the full amount. Mine are qualifying payments and they only counted the payments after my consolidation application was processed. I am missing XXXX payments in my payment count, which would qualify me for forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
My Consumer rights and protections have been violated according to title 15 USC 1692. My privacy has been invaded along with the privacy act has a consumer has a right to privacy and not a privelige. According to title 15 USC 1692b a debt collector can not state that a consumer owes a debt.AARGON agency has been reporting a fraudulent debt to Transunion which has been very damaging to me and my family in our pursuit to purchase consumer goods, They have been contacting me a federally protected consumer about an alleged debt without my consent. XXXX XXXX XXXX has been reporting a fraudulent debt that was a result of an identity theft on my consumer report which has been very damaging to my reputation and has hindered my ability to extend credit and enjoy the pursuit of happiness. Under title XXXX5 USC 1681 an inaccurate and unfair credit report directly impairs the efficiency of the banking system and undermines the public confidence which is essential to the continued function of the banking system. I REQUIRE THE 2 FRAUDULENT accounts on my consumer report from XXXX XXXX XXXX XXXX in the amount of XXXX $ and one in the amount of {$110.00} be deleted immediately. A debt collector can not use false and deceptive means in connection with a debt such as the false representation of or the character amount or legal status of any debt.

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 2022-03-09 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX XXXXXXXX Balance : {$30000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$190.00} XXXX XXXX Balance : {$6800.00}

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 2022-03-09 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: MI

Complaint narrative:
This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX XXXXXXXX Balance : {$30000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX Balance : {$6800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
This complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX XXXXXXXX Balance : {$30000.00}

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 2022-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: GOLDMAN SACHS BANK USA
State: SC

Complaint narrative:
My Credit card ( XXXX ) was recently transferred from XXXX  XXXX to XXXX by Goldman Sachs on XX/XX/XXXX. I have received a letter to create a new online account to view my info, however after making the account login it requires I get a 6 digit code to access my account online. I can never get that 6 digit account. Spent hours on XX/XX/XXXX trying to call and got hung up, transferred and even cussed out. Tried contacting via XXXX and have copied my ordeal on there for others to read.? Latest I heard from an XXXX XXXX that my email will not work ( I used it for XXXX XXXX, and every other bill/membership etc I have ). She stated I needed a XXXX account. So I created one ... .still can not get access. I have called at least every other day asking for help ... no changes. Made a XXXX XXXX on XX/XX/XXXX at XXXX at night with XXXX who said it would be answered in 10 days ... .no response. I have asked for management... they refuse customer access. I need my info to do my taxes, this is killing my nerves.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: On Q Financial
State: SC

Complaint narrative:
XXXX County taxes were paid through escrow on of XXXX which was overpaid by nearly XXXX XX/XX/XXXX sent actual tax forms from county to mortgage company for them to fix amount XXXX new escrow statement with mortgage increasing by over XXXX a month. 
XX/XX/XXXX sent tax forms again to mortgage company and opened another case over the phone to fix account XX/XX/XXXX called mortgage company and was informed we would get an answer by XX/XX/XXXX XX/XX/XXXX - escrow and mortgage still not corrected and no date as to when this will be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
My card was used for a {$480.00} XXXX flight. I did not make this transaction. Capital OneXXXX is not issuing me a refund because merchant says it was non refundable but I did not make that charge. It is a fraudulent charge and i want my credit of {$480.00} now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MD

Complaint narrative:
On XX/XX/XXXX, I received a letter from FedLoan stating that my account had been reviewed for PSLF with consideration of the Limited Waiver and have not made enough qualifying payments. However, upon review, only loans since my consolidation to FedLoan in XXXX were reviewed. I have had FFEL loans since XXXX and have been working in public service since XXXX. It is clear that the Limited Waiver has not yet been applied as stated in the letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
I work in the real estate industry and own several properties. My current residence 's loan was transferred at the end of 2021. We are now in XXXX and I have received notice that my homeowners insurance has not been paid and now I don't know if this house is currently insured. Additionally we had an escrow shortage due to a tax increase which I want to pay up front instead of the additional payment every month. And I have PMI which I want to have removed from the mortgage as we have reached that limit. 

This company is costing me money and potentially putting us at risk. This is completely unacceptable and I don't understand how a loan servicer is allowed to operate like this. It should be illegal and should require them to sell their company and loans to a competent loan servicer. 

I have read several reviews of people who have had very similar issues. Please do something about this, it is not right.

Company response to consumer: Closed with explanation