vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-21 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-07-21 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: CA

Complaint narrative:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX - XXXX XXXX  - XXXXXXXX XXXX - XXXX XXXX  XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX  - XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXXXXXX 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 2023-07-21 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: NE

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-07-21 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: TX

Complaint narrative:
This is the my second complaint with Equifax regarding their incorrect reporting of credit information from XXXX XXXX. The first was filed on XX/XX/XXXX XXXX. XXXX. Equifax responded on XX/XX/XXXX claiming that XXXX XXXX, the creditor, had verfied that the current status, prior payment history and balance were all reported correctly. Equifax today stills shows the negative ionformation regarding years of late payments to XXXX XXXX and charge offs on my credit report. 

However, in a separate complaint I filed on the same date, XX/XX/XXXX, against XXXX XXXX. XXXX, XXXXXXXX XXXX  responded in a XX/XX/XXXX letter apologizing and admitedly it was their bank 's error that had created the entire problem and critically that I had paid my account timely and in full before ever receving a statement on XX/XX/XXXX but my check was posted to an incorrect account. XXXXXXXX XXXX  stated they had 'requested the credit reporting agencies update their records to report a XXXX balance, remove the reported delinquencies, and report the acount as " closed by the customer. ' '' See XXXXXXXX XXXX repsonse in XXXX. 

Equifax 's claim that XXXXXXXX XXXX verfied all negative information was filed well AFTER XXXXXXXX XXXX  letter admitting fault and that the reported information was baseless and inaccurate and calls into question not only the accuracy of Equifax 's response but its truthfulness as well. Equifax was provided with a copies of the front and back of my check to XXXX XXXX which paid the balance of the account in full yet chose to ignore them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21 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: CA

Complaint narrative:
I recently received communication from Equifax, XXXX, and XXXX attempting to collect an alleged debt. 
I send a letter to Equifax, XXXX, and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? __ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : * Agreement with your client that grants Equifax, XXXX, and XXXX the authority to collect this alleged debt. 
* Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector. 
* Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. 
* All statements while this account was open. 
* Have any insurance claims been made by any creditor regarding this account? 
* Yes * No * Have any Judgements been obtained by any creditor regarding this account? 
* Yes * No Equifax, XXXX, and XXXX never responded! 

Furthermore Equifax, XXXX, and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represented the character other Violations under 15 USC 1692 e that Equifax, XXXX, and XXXX is implementing itself. 
Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore Equifax, XXXX, and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective November 30, 2021. Cease reporting this debt immediately or face legal action. Equifax, XXXX, and XXXX lacks permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to 2 years in prison, in addition to civil liability. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21 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: FL

Complaint narrative:
There are information on my account that I have been disputing with them for the longest. The charge off/ collections most importantly. But they have said they verified the account and how when the account have been settled with the IRS and paid for little to nothing. 

15 US code 1666d ( a ) 15 US code 1681 ( 1 ) ( 2 ) ( 3 ) ( 4 ) 15 US code 1681b ( a ) ( 2 ) 15 US code 1681 ( i )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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: FL

Complaint narrative:
There are information on my account that I have been disputing with them for the longest. The charge off/ collections most importantly. But they have said they verified the account and how when the account have been settled with the IRS and paid for little to nothing.

15 US code 1666d ( a ) 15 US code 1681 ( 1 ) ( 2 ) ( 3 ) ( 4 ) 15 US code 1681b ( a ) ( 2 ) 15 US code 1681 ( i )

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 2023-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
CFPB closed my previous complaint based on Wells Fargos reply. But the issue was not resolved. The previous case number is:XXXX Wells Fargo failed to provide reasons for POA rejection and requesting more document from my side. I have called the officer provided by Wells Fargo but no one answer the call.

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 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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: IN

Complaint narrative:
I checked my credit report XX/XX/XXXX and notice there were hard inquiries on my credit report that I dont have permissible purpose to be on there these hard inquiries are hurting me from being approved recognize I have reach out to all credit bureaus in the fraud department and these items are still in my credit profile. My rights are now being violated under 15 usc 168 1b XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: AMERICAN EXPRESS COMPANY
State: DE

Complaint narrative:
In XXXX I opened a XXXX savings account. The purpose of this account was to managed money to be used to settle on a new home on XX/XX/XXXX. Beginning on XX/XX/XXXX I have been trying to have a wire sent to a title company for settlement which is today. I have called at least XXXX times. I have provided all requested documentation. I still have no money. My account balance is roughly XXXX XXXXXXXX. The wire requested is for XXXX  XXXX. 
My account number is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-21 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
In accordance with the fair credit Reporting act Chase Auto 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 consumer credit plan as late for an purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: NJ LENDERS CORP
State: NJ

Complaint narrative:
I acknowledge your admission of the mistakes made by New Jerseys Lenders Corporation. However I will not accept the mere {$200.00} offered. I am requesting it be removed from the settlement statement. I choose to further escalate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21 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: FL

Complaint narrative:
My credit rating has been kept artificially low by experian credit agency. Other credit agencies, XXXX and XXXX, have me listed at XXXX XXXXXXXX XXXX XXXX plus, but experian keeps me artificially low at XXXX XXXX. 
There is no reason for such a low rating, and this low rating is keeping me from purchasing a home. 
I am entitled to compensation for the loss of opportunity and for the extra cost i will undergo because of this artificially low rating.

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 2023-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Credit Karma, LLC
State: TX

Complaint narrative:
I detected fraudulent activity on my Credit Karma account & immediately notified the bank what was going on. I called the support team & they basically told me I needed to wait for the charges to finalize, & then I could dispute them. That is completely outrageous. The withdrawals are obviously from phony creditors. I was able to stop the first payment thankfully, but then it happens again. And these are for large amounts. I reluctantly waited for the provisional credit only for it to be hacked/withdrawn from my account again in less than XXXX hours. I am beyond frustrated with their support team. No one is giving my case any sense of urgency. Everyone is apologetic but I dont need empty apologies, I want answers & a resolution. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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: LA

Complaint narrative:
In accordance with the fair credit reporting act, my rights have been violated. 15 use 1681 section 602 a : I have the right to privacy 15 use 1681 section 604 a section 2 : A consumer credit reporting agency can not furnish my account without my written instruction XX/XX/XXXX {$140.00} XXXX XXXX  XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XX/XX/XXXX {$2300.00} XXXX department of education XX/XX/XXXX {$4000.00} XXXX XX/XX/XXXX {$2600.00} department of education XXXX XX/XX/XXXX {$4700.00} department of education XXXX XX/XX/XXXX {$3100.00} department of education XXXX XX/XX/XXXX {$3900.00} department of education XXXX XX/XX/XXXX {$4800.00} department of education XXXX XX/XX/XXXX {$8400.00} department of education XXXX XX/XX/XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$730.00} XXXX XXXX XX/XX/XXXX {$690.00} XXXX XX/XX/XXXX {$870.00} XXXX XXXX {$2300.00} {$2600.00} 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 2023-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
I sent a debt validation letter for debt, it has been over 30 days since they received the letter and they have not responded. The letter was sent certified in which I am able to prove they received the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV Funding XXXX XXXX XXXX XXXX, SC XXXX Account # XXXX XXXX XXXX XXXX This account was originally XXXX XXXX XXXX XXXX and is over XXXX XXXX XXXX. After I explained my permanent hardships to them my account was charged off, closed and removed from my credit report XX/XX/2023. LVNV bought this account XX/XX/2023 and put it on my credit report with no supporting documents sent to me. I had no knowledge of this until it appeared on my credit report XXXX of 2023. I have messaged this company twice on their website and have also called them to no avail.I have never received a bill, itemized statement, notice or phone call about this debt. It is so unfair for them to put this on my credit but have absolutely no correspondence with me at all. Also details about my account on my credit report are missing. No data available till XX/XX/2023. There is nothing more I can do with this matter. I live on SSDI benefits only. There is no other means of income.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NC

Complaint narrative:
A friend sent {$250.00} to my inactive Cash App account on XX/XX/XXXX, which is linked to an inactive an expired debit card. Around XX/XX/XXXX, I attempted to get access to the account but was unable to provide the debit card number, because it had expired long ago and was disposed of. That said, the account is linked to my personal info and my phone number, so I attempted to get access to the money by calling and emailing Cash App support. 

Unfortunately, their support has been unwilling to resolve the matter. I presented multiple possibilities that would be satisfactory : 1 ) give me access to the account, 2 ) reverse the transaction and send the money back to my friend, or 3 ) send the money to my active Cash App account. Cash App support did none of these things and did not propose any alternatives. Instead, despite me being able to prove I'm the account owner beyond any reasonable doubt, they simply say : " Your request to access this account was not approved. For security reasons, we can not reverse this decision and are unable to provide additional details. '' I followed up further, but rather than work with me toward a reasonable outcome, they repeatedly copy-paste the above response. Functionally, Cash App is saying that they get to keep my money in perpetuity and that I have no recourse. Obviously that is unreasonable. 

I am willing to work with Cash App to resolve any of their security concerns, but unfortunately they are stonewalling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MI

Complaint narrative:
Hello I am hoping someone can help me with the problems I have been having with Rushmore Loan Management Services. They have been servicing the loan since XX/XX/XXXX and it has went down hill from there. I have received incorrect fee 's, modified payments, they have forced hazard insurance when I have homeowners insurance that is included in my monthly payments but their letter stated my homeowners insurance sent a letter of cancelation for nonpayment. I have been financially affected by Covid-19 and spoke with them several times with no luck for them calling me back or sending me any information in a timely manor. Finally on XX/XX/XXXX I spoke to a young lady about a repayment plan that would extend over the next 12 months that would be affordable so XXXX I would start making those payments. I also asked her if I was in Foreclosure status and she stated that no I was not. I was so relieved, but then comes XX/XX/XXXX and I get a letter stating that my home is in foreclosure status and I could not understand why when I had just spoken to someone for payment arrangements and didn't even receive my paperwork to send anything in for a possible Modification on my Mortgage yet .... Not to mention I had made my payment in XX/XX/XXXX and they are stating that I didn't so my mortgage wasn't even 120 days late. Even after all this back and fourth I would not get the packets I was told they would be sending or they would not respond to the Modifications packet or state that they needed more time. 

Miscommunication between the lender Predatory tactics ; Failure to give the proper notices ; Failure to accelerate ; and Misapplication of payments. 

Then they placed me in an impossible situation that was unaffordable making me put {$2500.00} down to save my mortgage from foreclosure on XXXX XXXX and pay {$2200.00} starting XX/XX/XXXX which I couldn't afford that was more than double my payments every month. They stated that they couldn't stretch my payments for 12 months but 2 other representatives stated that they could so I was late for the XXXX payment and they sent a notice stating that I was late and then the only reason that I knew my home was sold at a sheriff sale was because a realtor came to my home offering to help me sell it in the redemption period. 1. more thing about not receiving the notices from them they only sent these notices that I have now XX/XX/XXXX and I didn't receive some of these notices at all prior to XX/XX/XXXX.

Company response to consumer: Closed with explanation