vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-03 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: CA

Complaint narrative:
PROSPER REPORT PAST XXXX DUE TO XXXX, XXXX PAST DUE TO XXXX AND TRANS UNION DUE THAT INCOREP INFORMATION MY CREDIT SCORES GONE DOWN I AM NEVER PAID LATE ALL PAYMENT WAS MADE ON TIME AND IT IS AGREED DUE TO THAT BAD INFORMATION THE CREDIT COMPANIES HAVE DECREASED MY CREDIT LINE AND INCREASED THE ANNUAL INTEREST ON MY CREDIT CARDS THE DAMAGE CAUSED BY THAT BAD INFORMATION HAS ALREADY CAUSED DAMAGE TO MY PERSON AS IT IS AFFECTING MY GOOD CREDIT RECORD, THEREFORE I ASK THAT YOU NOTIFY THAT LOAN AGENCY TO RESOLVE THE DAMAGE CAUSED AND I HOLD THEM RESPONSIBLE FOR THEIR ACTIONS THAT ARE CAUSING ME A DAMAGE MY LOAN NUMBER # 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 2022-05-03 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: CA

Complaint narrative:
XXXX  REPORT PAST XXXX DUE TO EQUIFAX, XXXX PAST DUE TO XXXX AND XXXX XXXX DUE THAT INCOREP INFORMATION MY CREDIT SCORES GONE DOWN I AM NEVER PAID LATE ALL PAYMENT WAS MADE ON TIME AND IT IS AGREED DUE TO THAT BAD INFORMATION THE CREDIT COMPANIES HAVE DECREASED MY CREDIT LINE AND INCREASED THE ANNUAL INTEREST ON MY CREDIT CARDS THE DAMAGE CAUSED BY THAT BAD INFORMATION HAS ALREADY CAUSED DAMAGE TO MY PERSON AS IT IS AFFECTING MY GOOD CREDIT RECORD, THEREFORE I ASK THAT YOU NOTIFY THAT LOAN AGENCY TO RESOLVE THE DAMAGE CAUSED AND I HOLD THEM RESPONSIBLE FOR THEIR ACTIONS THAT ARE CAUSING ME A DAMAGE MY LOAN NUMBER # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: CA

Complaint narrative:
XXXX  REPORT PAST XXXX DUE TO XXXX, XXXX PAST DUE TO EXPERIAN AND XXXX XXXX DUE THAT INCOREP INFORMATION MY CREDIT SCORES GONE DOWN I AM NEVER PAID LATE ALL PAYMENT WAS MADE ON TIME AND IT IS AGREED DUE TO THAT BAD INFORMATION THE CREDIT COMPANIES HAVE DECREASED MY CREDIT LINE AND INCREASED THE ANNUAL INTEREST ON MY CREDIT CARDS THE DAMAGE CAUSED BY THAT BAD INFORMATION HAS ALREADY CAUSED DAMAGE TO MY PERSON AS IT IS AFFECTING MY GOOD CREDIT RECORD, THEREFORE I ASK THAT YOU NOTIFY THAT LOAN AGENCY TO RESOLVE THE DAMAGE CAUSED AND I HOLD THEM RESPONSIBLE FOR THEIR ACTIONS THAT ARE CAUSING ME A DAMAGE MY LOAN NUMBER # 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 2022-05-03 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: MN

Complaint narrative:
XXXX XXXX A All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Personal Loans Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXXXXXX Credit Card XXXX XXXX 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX CRE All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX. 
XXXX Credit Card XXXX. 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX BANK XXXX All Banks Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX All Banks Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX XXXX  All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/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 2022-05-03 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
XXXX XXXX A All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Personal Loans Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX BANK XXXX Credit Card XXXX XXXX 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX CRE All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX. 
XXXX Credit Card XXXX. 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX All Banks Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX All Banks Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/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 2022-05-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Portnoff Law Associates, Ltd.
State: PA

Complaint narrative:
This company has tripled the amount of the original debt and attached legal fees that they have established. They have placed a lien on my property and sent the sheriff to my house. 

I have called this company and asked for a resolution and they have not offered any suggestions except demanding payment. I am willing to pay the original fees. Again there fees is triple the amount of the original debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
Hi, the reason I am messaging is because I Purchased a Home in a Co-ownership, in XX/XX/XXXX, we split the payments until XX/XX/XXXX. That month that person moved out of the house, and abandoned all responsiblities, payments regarding XXXX XXXXXXXX, and anything related with the house. In XX/XX/XXXX I lost my job and I decided to take the Forbearance plan from my Mortgage company to avoid late payments. In XX/XX/XXXX I found a new job and I decided to get out of the Forbearance plan and start making regular monthly payments. In order to start making payments Pennymac sent me some documents that I will attach below that must be sign by both owners in order to restart payments, I advised the co-owner about that document and this person refused to sign it, and rather the house to be foreclosure. I communicated with the Mortgage company, advised them about the co-owner not wanting to cooperate and they said it must be sign by both parties. I have been responsible with my Home payments since day XXXX, and I think its not fair I have to be afraid to be in foreclosure just because the co-owner does not want to sign or care about the house. I need help from PennyMac to allow me to continue making payments toward my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
COMPANY NAME RESURGENT CAPITAL SERVICE XXXX XXXX XXXX XXXX MI XXXX Reference # XXXX letter date XX/XX/2022 Balance {$5800.00} they want to suing me to collect this debt that was legal time limit [ statute of limitation ] have expired. It is a violation of the fair Debt collection practice Act 15 U.S.C 1692 to sue to collect a Debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: Avant Holding Company, Inc.
State: IL

Complaint narrative:
The former Avant account number is XXXX, and this account is reporting to my XXXX, XXXX, and XXXX credit files. Avant is in violation for the Fair Credit Reporting Act by reporting inconsistent and inaccurate information to my credit reports. They have also reported this account as closed two times, once in XX/XX/XXXX and then again in XX/XX/XXXX when they updated the negative account data. 


This account with Avant was paid in a settlement on XX/XX/XXXX. There are several discrepancies with how Avant is currently reporting this account to the three credit bureaus. Avant is reporting the charge off status date as XX/XX/XXXX on XXXX and XXXX, but reporting the charge off status date as XX/XX/XXXX on XXXX. They are reporting the loan in three different ways ; Charged off on my XXXX report, Paid or Paying As Agreed on XXXX report, and Legally Paid in Full for Less Than Full Balance on my XXXX report. They are also reporting 8 negative months on XXXX, but only 7 negative months on XXXX and XXXX. See attached inconsistent account reporting information from credit reports. 

Avant has continued to update this account negatively and inaccurately to the credit bureaus for 2 additional years after the account was paid in a settlement. Avant sent me an email admitting that they had been incorrectly reporting the account, but they still refused to remove the inaccurate account. They sent the attached email to me on XX/XX/XXXX saying that I had satisfied my settlement obligations. Why did they continue to report this negative account status until XX/XX/XXXX? 

On XX/XX/XXXX, I received several alerts and the attached emails stating that Avant updated my account with late payments. Avant has continuously failed to accurately report this account to the various credit bureaus throughout the present. This account had not had any reporting updates since XXXX, but now they have updated the account with recent late payments which decreased my credit score by XXXX points. This account should not be reporting new late payments when the account was paid off in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account has violated my rights. 

1. 
XXXX XXXX XXXX XXXX  2. XXXX XXXX - XXXX Reported : XXXX. XXXX, XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX 3. 
Acct. # XXXX XXXX XXXX XXXX  4. 
XXXX Reported : XXXX. XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, DE XXXX 5. XXXX Reported : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, DE XXXX 6. 
XXXX XXXX XXXX  XXXX Reported : XX/XX/XXXX 7. 
XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 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

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 2022-05-03 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following accounts have violated my rights US BANKRUPTCY COURT XXXX file # XXXX XXXX  XXXX  XXXX CA XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  US SM BUS ADMIN ODA XXXXXXXX XXXX XXXX 15 U.S.C 1681 Section 602 A states that I have the right to privacy 15 U.S.C Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

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 2022-05-03 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following accounts have violated my rights US BANKRUPTCY COURT XXXX file # XXXX XXXX  XXXX  XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX  US SM BUS ADMIN XXXX XXXXXXXX XXXX XXXX 15 U.S.C 1681 Section 602 A states that I have the right to privacy 15 U.S.C Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: RI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX To whom it may concern ; I have tried numerous times to get this inaccurate account deleted off my consumer report and I have exercised all possible methods. I have disputed this account with all ( XXXX ) consumer reporting agencies ( Transunion, XXXX and XXXX ) and with the account holder ( XXXX XXXX XXXX ), As well as requested verification of this debt. It is my understanding that not only is it the consumer reporting agencies duty to report accurate information on consumers and furnishers should also verify the information before reporting it. 

I requested undeniable proof as well as any binding documentation with my signature and only received a copy of a ( 1 ) bill statement that did not have my name and listed an address, I have never lived at. This was sent to me by XXXX XXXX XXXX. 

I am listing all the violations under the FCRA that apply to my specific situation. 


Violations under FCRA 15 U.S. Code 1681S-2 Responsibilities of furnishers of information to consumer reporting agencies.

15 U.S.Code 1681s-2 ( a ) ( 1 ) ( B ) After a dispute, the information can not be furnished if the information is in fact inaccurate.

15 U.S. Code 1681S-2 ( 1 ) ( A ) Reporting information with actual knowledge of errors 15 U.S. Code 1681b ( c ) ( 2 ) - In accordance with the written instructions of the consumer to whom it relates Here are the violations- I am not the owner of this debt. Therefore, this account should have been properly verified for credibility of the account before reporting it on to my consumer report. 
- I have XXXX inaccuracies reported on my consumer report. 
- Defamation of character - Loss of opportunity due to inaccuracies. Because of poor verification practices. 

Debt Collector Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Debt Collector : XXXX XXXX XXXX - XXXX XXXX XXXX Account # : XXXX Amount : {$750.00} This inconvenience has cost me to lose the possibility of acquiring a {$30000.00}. credit card, For which I am seeking damages of {$1000.00}. per violation under the Fair Credit Reporting Act ( FCRA ).

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 2022-05-03 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: RI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX To whom it may concern ; I have tried numerous times to get this inaccurate account deleted off my consumer report and I have exercised all possible methods. I have disputed this account with all ( XXXX ) consumer reporting agencies ( XXXX, Experian and XXXX ) and with the account holder ( XXXX XXXX XXXX ), As well as requested verification of this debt. It is my understanding that not only is it the consumer reporting agencies duty to report accurate information on consumers and furnishers should also verify the information before reporting it. 

I requested undeniable proof as well as any binding documentation with my signature and only received a copy of a ( 1 ) bill statement that did not have my name and listed an address, I have never lived at. This was sent to me by XXXX XXXX XXXX. 

I am listing all the violations under the FCRA that apply to my specific situation. 


Violations under FCRA 15 U.S. Code 1681S-2 Responsibilities of furnishers of information to consumer reporting agencies.

15 U.S.Code 1681s-2 ( a ) ( 1 ) ( B ) After a dispute, the information can not be furnished if the information is in fact inaccurate.

15 U.S. Code 1681S-2 ( 1 ) ( A ) Reporting information with actual knowledge of errors 15 U.S. Code 1681b ( c ) ( 2 ) - In accordance with the written instructions of the consumer to whom it relates Here are the violations- I am not the owner of this debt. Therefore, this account should have been properly verified for credibility of the account before reporting it on to my consumer report. 
- I have 10 inaccuracies reported on my consumer report. 
- Defamation of character - Loss of opportunity due to inaccuracies. Because of poor verification practices. 

Debt Collector Address XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, PA XXXX Debt Collector : XXXX XXXX XXXX - XXXX XXXX XXXX Account # : XXXX Amount : {$750.00} This inconvenience has cost me to lose the possibility of acquiring a {$30000.00}. credit card, For which I am seeking damages of {$1000.00}. per violation under the Fair Credit Reporting Act ( FCRA ).

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 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  Account # XXXX 15 U.S.C 1681 section 602 A. States I have rights to privacy.

15 U.S.C 1681 section 602 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  Account # XXXX 15 U.S.C 1681 section 602 A. States I have rights to privacy.

15 U.S.C 1681 section 602 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 2022-05-03 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 — Problem with personal statement of dispute
Company: ATG Credit, LLC
State: IL

Complaint narrative:
XXXX is attempting to get money from money that have never dealt or owed them money. I confiemed they are scammers over the phone and they literally blocked my number!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Business and Consumer Solutions.
State: NV

Complaint narrative:
Fbcs, a debt collector, is making repeated, daily calls to my cell. I have advised them that my number is on the DNC Registry and they still persist even after I said I would report them. The calls are daily and from multiple phone numbers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation