vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-17 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries 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 if 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 2024-10-17 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name :XX/XX/XXXX Account Number : XXXX Account Name : DEPARTMENT OF LABOR XXXX Account Number : XXXX and list of Inquiries 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
We had financial issues due to health issues and our parents ' death in the past two years, I became very ill as well as my wife had XXXX  several times. The last death was my mother-in-law XX/XX/XXXX. 

Hence we filed a XXXX  XXXX in XXXX. In XXXX of XXXX, we received a Discharge and believed to be current. In XXXX of XXXX, Mr. Cooper, our servicer, did not accept our payment and the representative advised that we were in foreclosure status. We reached out to our XXXX Attorney, and then also received a trustee sale without receiving a NOD, nor certified documentation. I found out when I called the bank post XXXX Discharge that we were owed $ XXXX at first, then approximately $ XXXX, and then now it is $ XXXX. Please note that when we called the bank, we asked for amounts in arrears, and were told 2 months at this point in XXXX of XXXX. 

Our payment is approximately {$4800.00}, which includes Principal, Interest, Taxes, and insurance. The XXXX includes added property taxes. When I disputed the property taxes with the representative from Mr. Cooper, she advised that after the payments were cured, the adjustments would be made. How does this make sense? 

After thoroughly going through Mr. Cooper 's payment history and our bank statements and correspondence we had an estimated Balance of {$79000.00}. Please note that this amount does not include approximately {$37000.00} that was paid through the XXXX, therefore that would bring the balance approximately to {$42000.00} plus bank fees. We would be able to pay that amount immediately. They need to fully research this and postpone our sale date. In addition, we asked for more time as we would be selling our parents ' home to pay the arrears when we believed it to be $ XXXX to save our home from foreclosure. 

At this time we request that the bank prepare an audit of our account and give us a true amount and not an amount without crediting the Trustee amount of $ XXXX, in addition to the amount added for Property tax and Insurance that is added to the amount that is paid via our {$4800.00} payment and other garbage fees. 

We appreciate your assistance in this urgent matter, as we do not want to lose our home at this juncture in our lives after living here for XXXX and a half years. We are no longer under XXXX protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Express Recovery Services, Inc.
State: VA

Complaint narrative:
This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 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: TX

Complaint narrative:
I got XXXX XXXX  debt that should up on my credit report that is not mines and I'm a victim of identity theft XXXX  amount owe XXXX account # XXXX and XXXX  XXXX account # XXXX both are not my 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 non-monetary relief
Consumer complaint received 2024-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: TN

Complaint narrative:
The right amount wasn't deposited in my account it was missing XXXX  of dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone : XXXX Email : XXXX XX/XX/XXXX Please Remove Late payment account XXXX XXXX Account Number : XXXX Date of late payment : XX/XX/XXXX Account opened XX/XX/XXXX In accordance with the fair credit Reporting XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

+ 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end XXXX consumer credit plan as late for XXXX and purpose. 

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 non-monetary relief
Consumer complaint received 2024-10-17 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: CA

Complaint narrative:
I would like to file a complaint against the three bureaus regarding the negative items on my credit report. These negative items on my credit report are severely affecting me. I would like to request that these negative items be removed from my credit report and made positive. If the three bureaus do not take action, I am prepared to file a lawsuit against them and demand appropriate compensation. According to our laws, I have the right to complain and file a case against them

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 2024-10-17 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: CA

Complaint narrative:
I would like to file a complaint against the three bureaus regarding the negative items on my credit report. These negative items on my credit report are severely affecting me. I would like to request that these negative items be removed from my credit report and made positive. If the three bureaus do not take action, I am prepared to file a lawsuit against them and demand appropriate compensation. According to our laws, I have the right to complain and file a case against them

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 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries 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 if 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 explanation
Consumer complaint received 2024-10-17 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I would like to dispute the following accounts on my credit report. 

Equifax : XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX. 
Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX : XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX : XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: PA

Complaint narrative:
I just found unauthorized inquiries on my credit report this morning, and I have no idea why they're there. I always check my report, and now these discrepancies suddenly appeared. I even refreshed my browser, thinking it was a glitch, but nothing changed. Im extremely frustrated and need the documents Ive submitted to be thoroughly reviewed so I never have to deal with this kind of stress again.

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 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My account with XXXX XXXX, XXXX XXXX XXXX AND XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX, XXXX XXXX XXXX AND XXXXXXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

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 2024-10-17 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief