vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-10 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: TN

Complaint narrative:
Hello, my name is XXXX XXXX XXXX and I am completing this complaint myself. 

After careful review, there are many inaccuracies on my consumer report and needs some attention immediately. 

TransUnion is showing many inquiries on my consumer report that I did not give written permissible purposes in ANY capacity.

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 2022-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MO

Complaint narrative:
In XXXX we received a notice our escrow account was underfunded by $ XXXX and that if we did not fund it, our payment would increase by {$100.00} per month. We promptly sent the requested amount. To our shock our payment increased by $ XXXX per month AFTER our check posted. We believe that Mr. Cooper has been deceptive and is overfunding our escrow, in effect forcing us to provide them funds interest free for the next year. We have reached out via their app and can not get answers

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX BANK XXXX Balance {$0.00} are reporting on my personal credit file with ( XXXX/Experian/XXXXXXXX XXXX credit reporting agency XXXX These inaccurate addresses and account were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof these were opened, authorized or created by me.

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 2022-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
MY Personal information is not correct on my credit report!! I have contact the bureaus about this issue and nothing have been done... According to FCRA COMPLIANCE PROCEDURES SECTION 607 ( B ) states that Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file ofthe consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: PRESTIGE FINANCIAL SERVICES INC
State: NC

Complaint narrative:
On XX/XX/2022, I viewed my Consumer report and I noticed that the information from my auto loan from Prestige Financial is reporting across the Credit Reporting Agencies is inaccurate. Under the FCRA the law states the following. 

623 - 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors.

A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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:
XXXX XXXX XXXX XXXX, VA XXXX ; XXXX BANK XXXX Balance {$0.00} are reporting on my personal credit file with ( EquifaxXXXX XXXX credit reporting agency. These inaccurate address and account were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof these were opened, authorized or created by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Balance {$0.00} are reporting on my personal credit file with ( XXXXTransUnion ) credit reporting agency. These inaccurate addresses and account were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof these were opened, authorized or created by me.

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 2022-03-10 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: MD

Complaint narrative:
Account name XXXX  XXXX Account number XXXX Date opened XX/XX/2015 in accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right of 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This debt does not belong to me, the amount listed is {$120.00} by the account holder. 
XXXX XXXX and XXXX XXXX. There's no address listed for this company and it was sued as a fraudulent debt collector. There's no information listed on credit, they have denied validating or verification and its past the 30 days.

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 2022-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
MY Personal information is not correct on my credit report!! I have contact the bureaus about this issue and nothing have been done... According to FCRA COMPLIANCE PROCEDURES SECTION 607 ( B ) states that Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file ofthe consumer.

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 2022-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
MY Personal information is not correct on my credit report!! I have contact the bureaus about this issue and nothing have been done... According to FCRA COMPLIANCE PROCEDURES SECTION 607 ( B ) states that Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file ofthe consumer.

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 2022-03-10 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: FL

Complaint narrative:
I contacted the following credit bureaus about fraudulent accounts that were placed on my credit report. The Bureaus are XXXX, AND EXPERIAN CREDIT BUREAUS, I sent them copies of a XXXX XXXX Police Report that I filed Reporting this fraud, along with a Federal Trade Commission Report the accounts were then taken off my credit report. Several weeks later the same accounts were reinserted back to my credit report. 
Since then I have been disputing these fraudulent accounts. The credit bureaus told me that the accounts were verified and certified by the creditor, witch is XXXX XXXX XXXX XXXX. I then disputed these account with the creditor, On XX/XX/2022 the creditor responded by sending me an email that stated they needed more information .... I furnished them the exact information that is currently reporting on my credit report that they furnished to the credit bureaus ... Now they are saying they need more information. I would like to know how they need more information, when the credit bureaus contacted me and stated the the creditor verified and certified this information. Some one is violating my right from the looks of the letter from the creditor they dont even have this information that the bureaus are reporting. I requested a copy of the documents use to certify and verify these accounts from the bureaus and the creditors, and both have failed to furnish me with a copy of these documents.

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 2022-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
A letter was sent to the company ( account XXXX XXXX ) and has been ignored for over 90 days. The information is harming my credit and displaying inaccurate information with validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Advanced Resolution Services Inc.
State: IL

Complaint narrative:
I am appealing to your authority to have XXXX  , Inc. to release confirm or deny that a security freeze has been placed on my credit report.

When attempting to get these results on my own accord by requesting the confirmation that the security freeze did indeed take place, XXXX  refuses to give or provide a definitive answer.

My rights under FCRA allow me to place security freezes on my credit file upon request.

Please assist me as soon as possible in obtaining the necessary contact information in order to place a security freeze with XXXX  and therewith, compelling them to follow the well-known directives from FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On XX/XX/2022 I wrote All three credit reporting bureaus ( XXXX, TRANSUNION, XXXX ) asking to provide verification of accounts with incorrect amounts, open dates and closed dates. The letters along with a copy of of my credit report were sent certified mail. I havent received a response from either bureaus about an investigation being opened nor closed. Attached is a copy of the letters that were sent.

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 2022-03-10 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
On XX/XX/2022 I wrote All three credit reporting bureaus ( XXXX, XXXX, EQUIFAX ) asking to provide verification of accounts with incorrect amounts, open dates and closed dates. The letters along with a copy of of my credit report were sent certified mail. I havent received a response from either bureaus about an investigation being opened nor closed. Attached is a copy of the letters that were sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian displays inaccurate FICO Scores for XXXX and XXXX, that are XXXX points lower than what those bureaus show on my credit report when I pull from their site. This data is incorrect and was ( I think ) responsible for a credit denial. I have copies ( pdf ) files of what Experian is showing for these two bureaus which are vastly different than what my XXXX and XXXX actual report shows. 

This information is inaccurate and needs to be updated from the system of record, which are the two other credit bureaus themselves. Their information is blatantly incorrect, and when I run a report that shows side-by-side by Experian score shows as 4, which does not even exist on the SCALE of 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 2022-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX  XXXX agreed to report the deferment to credit beauers due to late payment because of me being a victim of disaster and due to covid -19 losing employment. However, I was able to pay all past due amount to the current but it shows the late payments that they agree to report as paid.

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 2022-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX  XXXX agreed to report the deferment to credit beauers due to late payment because of me being a victim of disaster and due to covid -19 losing employment. However, I was able to pay all past due amount to the current but it shows the late payments that they agree to report as paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX  XXXX agreed to report the deferment to credit beauers due to late payment because of me being a victim of disaster and due to covid -19 losing employment. However, I was able to pay all past due amount to the current but it shows the late payments that they agree to report as paid.

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 2022-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: VA

Complaint narrative:
You transferred the servicing of my loan to XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX loan number XXXX ) effective XX/XX/2021. I made three mortgage payments by ACH transfer to you on XX/XX/2021, XX/XX/2021, and XX/XX/2021. I have attached copies of my bank statements with these payments highlighted. 
I was informed by XXXX, XXXX that the XX/XX/2021, payment was transferred to them. As shown on the attached bank statement for the month of XX/XX/2021, on XX/XX/2021, you refunded the XX/XX/2021, payment to the bank account from which it was paid. The XX/XX/XXXX payment has neither been transferred to XXXX, XXXX nor refunded to me, as I believe is required by law. 

I have had numerous telephone conversations with your Customer Service Department, as well as with Customer Service of XXXX XXXX XXXX, to get this matter resolved, to no avail. In the meantime, XXXX XXXX XXXX is attempting to collect late fees from me, and has even sent two Notice of Default Right to Cure letters because of your failure to transfer the XXXX payment as required by law. This is causing my wife and I a great deal of stress and XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: GA

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 2022-03-10 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: DE

Complaint narrative:
I noticed a few accounts on my report I do not recognize

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