vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Amending complaint. 

Attached records reflect that Mortgage payments were reduced due to a forbearance. 
Reduced payments were paid within 17XXXX day grace period. Credit Reporting Agencies has these two payments as unpaid. Despite sending proof of payment and speaking to agents via phone, they refuse to update. 

Payment 1 was debited EARLY on XX/XX/2022 from XXXX Account ending XXXX for {$92.00} for XXXX payment. 


Payment 2 was debited XX/XX/2022 from XXXX Account ending in XXXX for {$92.00} for 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 2022-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 9 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/202XXXX 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 2022-11-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Io, Inc.
State: VA

Complaint narrative:
I previously asked this collection agency to send me validation of this alleged debt pursuant to the FDCPA, instead I received a vague receipt with none of the information I requested. I sent another letter on XX/XX/2022 and I still have not received any response. I have attached the letter to my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
My mortgage was sold to MR Cooper back in XXXX. Followed the instructions for the onboarding process as written. Spend somewhere between an hour or XXXX last year being transferred from person to person making sure my XXXX XXXX XXXX was going to be paid on time. They apologized for all the delays in the onboarding process. Sadly enough it was late. I had to pay it out of my pocket to make sure my coverage stayed in place. This was for coverage last year. This year once again my XXXX XXXX XXXX  has been paid on time. It was due on XX/XX/XXXX. XXXX has lapsed! According to MR Cooper 's website, It states it was paid on XX/XX/XXXX. I was catching up today XX/XX/XXXX and logged onto XXXX website and it shows payment past due. Once again my coverage has lapsed. This is XXXX years in a row!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25 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: LA

Complaint narrative:
XXXX XXXX Experian is reporting inaccurate information on my credit file which is a violation of my consumer rights FRCA LAW. XXXX XXXX on behalf of XXXX XXXX XXXX XXXX, settled this account XX/XX/22 via phone with representative XXXX XXXXXXXX XXXX XXXX XXXX XXXX Receipt of payment will be attached. Voice recorder to Payment settlement will be sent to each bureau and CFPB TO PROVE THIS WAS SETTLED FOR {$300.00}. Credit report is reporting inaccurate pass due amount, open balance, which if inaccurate information. 
The account is NOT being thoroughly investigated, but is responding by a generated response. No one is actually investigating this account and now Im going to get an attorney for lawsuit because my consumer rights XXXX continue to be violated by Experian, XXXX XXXX and 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 explanation
Consumer complaint received 2022-11-25 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: MS

Complaint narrative:
This company has not reported my on time payments. Also they are reporting this as a personal loan which it is not. Its a vehicle loan. They have the title to my truck for this loan. Its a vehicle loan.

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 2022-11-25 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: MS

Complaint narrative:
This company has not reported my on time payments. Also they are reporting this as a personal loan which it is not. Its a vehicle loan. They have the title to my truck for this loan. Its a vehicle loan.

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 2022-11-25 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: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/XXXX, Citibank alerted me to over {$1500.00} in suspicious charges. I responded immediately that this was fraud, that I did not make those purchases. The charges disappeared from my account. In the brief time they were posted to my account online, I saw that they were charges to XXXX, a merchant I haven't shopped at in years. 
Citibank closed my account immediately and sent me a new card with a new account number. I received an online notification that a disputed charge of {$310.00} had been removed from my account at this time. 
Over a month later, on XX/XX/XXXX, XXXX mysterious charges amounting to {$1000.00} in all appeared on my new, clean account. They are labeled as XXXX XXXX and all are dated a month or so earlier, from XX/XX/29 to XXXX. In XXXX I also received a notification that a $ XXXX charge was posted to my account due to a billing delay. 
When I reported this to Citibank, they immediately closed the account and issued me a new card with another new account number. 
What they failed to do was remove the twice-disputed charges from my account. I can not dispute the charge online ( that command is not an option, but only for the 3 charges I refer to ). I have called the company and their dispute center at least five times to resolve this. But the charges remain, 6 months later.

Every time I call, it seems like I start from scratch. I am asked if I'm sure the charges are fraud each time and I say so. I am told that a dispute has been opened about them, but I am not given a dispute number or case number. I am told that they will get on it and I will hear back in 90 days. There is no information on my online account about this. No one will call me or send me an email or a letter in reply to this problem. 
I can only conclude that there is unbelievable incompetence at Citibank, or that it is willful and deliberate. Perhaps Citibank hopes that eventually I will just give up and pay the $ XXXX in charges from their errors. 
I should call again, as it has been over 90 days since the second official report of these bad charges. But it is unpleasant, frustrating and ineffective to call them. Since I will not pay these charges, I am not paying my balance in full each month as was my habit. I have been charged interest monthly on these amounts. I received an alert that my credit score has changed, and I doubt that's because my credit score has been improved by this mess. The impact of Citibank 's lack of action is costly and seems never-ending. Can I get help with this please?

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 monetary relief
Consumer complaint received 2022-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have requested that the incorrect information be removed from my credit report around a month or so ago and the incorrect information was not removed

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 2022-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have requested that the incorrect information be removed from my credit report around a month or so ago and the incorrect information was not removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25 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: GA

Complaint narrative:
I have called Transunion, XXXX and XXXX numerous of times throughout this XXXX documented and recorded also have sent over dispute letters and asked them to remove all unauthorized inquiries ; I have also informed credit bureaus that I have an identity theft alert on my account due to several attempts of my credit being ran for loans, credit cards and other line of credit using my social and information without my consent ; Due to these outrageous instances this has limited me on refinancing and home purchasing goals. I have filed a XXXX XXXX indicating that my suspicion on XXXX XXXX  doing this vindictive tactics and that I wanted to make sure this was taken serious or aware of due to this reason. 

The accounts listed below in my Transunion report are considered fraud or unauthorized and should not have any reflection or mark on my account. I would like to demand of them removed. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all XXXX  credit bureau 's via mail trying to resolve this debilitating issue for the past XXXX XXXX to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/202XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG Financial Services, Inc.
State: SC

Complaint narrative:
I have not been able to get CMG mortgage to credit my account or adjust my payment. 

My payment was changed without consent and I am attaching Proof of what my Taxes are and how much in Escrow I have Paid. 

I have requested that My escrows be removed from my Monthly payment and have been giving the run around Why am I paying {$850.00} a XXXX  for escrows on a XXXX tax bill of under {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/202XXXX 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 2022-11-25 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: NC

Complaint narrative:
I pulled a copy of my experian credit report today XX/XX/2022 and discovered that they are reporting the names of another person on my credit reports. Name ID # XXXX XXXX XXXX XXXX, Name ID # XXXX XXXX XXXX, and Name ID # XXXX XXXX XXXX needs to be removed immediately. 

Experian is required by federal law to report accurate information on my consumer report, and it is their duty to remove any inaccuracies being reported on my consumer report. I have never been known by any of the names that are listed in this complaint, and I do not appreciate them reporting false names on my credit report. 

I am demanding that they rectify their reporting immediately or I will be seeking legal action. The names they are attaching to my social security number and being reported as factual is a grave violation of my consumer rights. 

Failure of giving me my desired resolution will result in me seeking {$1000.00} per violation for XXXX ) Defamation XXXX ) Negligent Enablement of Identity Fraud and XXXX ) Violation of 15 USC.

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 2022-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/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 2022-11-25 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: TN

Complaint narrative:
I sent a letter off to the CRA To remove personal information that I do not want on my credit report. Any other personal name variation and address variation is inaccurate and need to be removed. My official government issue identification name is XXXX XXXX XXXX, I do not goby any other name. My only address XXXX XXXX XXXX, XXXX, XXXX no other address is mine never lived there. I pay all my utilities at the above address and that address is on my official government identification According to the fair credit reporting act 12USC 1681. I have the right to privacy. Also to according to 15 USC 6802. No financial institution is not supposed to share my information to third party people. These are clear violations of my federally protected consumer rights.

According to 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 explanation
Consumer complaint received 2022-11-25 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: AmeriCollect
State: TN

Complaint narrative:
PLEASE SEE ATTACHMENTS. Americollect has completely disregarded my consumer rights. Violating the FDCPA, FCRA, XXXX, and XXXX laws. Americollect has used my identity without my consent by coercive and deceptive means for its own financial gain. Americollect claims the laws in which protect me allows them to violate me without my knowledge or consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Transunion XXXX XXXX is reporting inaccurate information on my credit file which is a violation of my consumer rights FRCA LAW. XXXX XXXX on behalf of XXXX XXXX XXXX XXXX, settled this account XX/XX/22 via phone with representative XXXX XXXX @ XXXXXXXX XXXX XXXXXXXX. Receipt of payment will be attached. Voice recorder to Payment settlement will be sent to each bureau and CFPB TO PROVE THIS WAS SETTLED FOR {$300.00}. Credit report is reporting inaccurate pass due amount, open balance, which if inaccurate information. 
The account is NOT being thoroughly investigated, but is responding by a generated response. No one is actually investigating this account and now Im going to get an XXXX XXXX XXXX because my consumer rights XXXX continue to be violated by XXXX, Trans Union and 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 2022-11-25 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: LA

Complaint narrative:
XXXX XXXX XXXX is reporting inaccurate information on my credit file which is a violation of my consumer rights FRCA LAW. XXXX XXXX on behalf of XXXX XXXX XXXX XXXX, settled this account XX/XX/22 via phone with representative XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Receipt of payment will be attached. Voice recorder to Payment settlement will be sent to each bureau and CFPB TO PROVE THIS WAS SETTLED FOR {$300.00}. Credit report is reporting inaccurate pass due amount, open balance, which if inaccurate information. 
The account is NOT being thoroughly investigated, but is responding by a generated response. No one is actually investigating this account and now Im going to get an XXXX XXXX XXXX because my consumer rights XXXX continue to be violated by XXXX, XXXX XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX transferred my mortgage to Selene who seem to manipulatively trying to take my property by giving limited information, notices, and now threatening with an intent to accelerate. I received my first notice on XXXX but could not make a payment until XX/XX/XXXX due to large unpaid paid utilities bills due to XXXX XXXX, so I attempted to make a payment ( XXXX ) XX/XX/XXXX, but could NOT make a payment on their website without paying over {$5000.00} which was a number I had never even seen before. So the system would NOT allow me to make a payment at all only pushing me further XXXX past due. 
Next, I receive a certified letter on XX/XX/XXXX ( a XXXX XXXX XXXX XXXX  later ) which threatens intent to accelerate if not paid in full within XXXX XXXX of the date of the letter and the date of the letter is XX/XX/XXXX so thats less than XXXX XXXX! They are greedy, aggressive and manipulative in their strategies to keep me past due. They mentioned a loan modification and for me to apply with XXXX XXXX XXXX XXXX XXXX ) which I completed applications with both and submitted all requested documents.

Company response to consumer: Closed with explanation