vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-11 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: OH

Complaint narrative:
Transunion doesn't use consumer information or documentation in their dispute process. Transunion has a dated system to process disputes that takes weeks longer because they do not fax or accept emails. Transunion 's policies favor creditors at the expense of consumer 's credit reports. The same documentation was accepted by XXXX  and XXXX  but not accepted by Transunion. Transunion claims that the creditor confirms that the reported information is accurate but I have a new letter that states otherwise.

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 2021-05-11 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: TX

Complaint narrative:
Equifax ; XXXX  and XXXX should not be reporting a collection/chargeoff in the amount of {$13000.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) In 2017 I purchased the vehicle and paid the dealership the required down payment. It took the dealership a week or more to provide me with the final paperwork for the purchase. Prior to receiving the paperwork from the dealership, I learned that the vehicle sustained major flood damage from XXXX XXXX. The dealership never disclosed this information to me prior to my purchase. I returned the vehicle under the XXXX XXXX and was assured by the dealership that this return was within the time frame allowed for the XXXX XXXX and that this return would not affect my credit. XXXX XXXX is now reporting a collection/chargeoff to the XXXX XXXX XXXX XXXX credit bureaus in error. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have made numerous attempts to contact XXXX XXXX as well as the bureaus to remove this false reporting however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: TX

Complaint narrative:
XXXX ; Experian and XXXX should not be reporting a collection/chargeoff in the amount of {$13000.00} on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) In 2017 I purchased the vehicle and paid the dealership the required down payment. It took the dealership a week or more to provide me with the final paperwork for the purchase. Prior to receiving the paperwork from the dealership, I learned that the vehicle sustained major flood damage from XXXX XXXX. The dealership never disclosed this information to me prior to my purchase. I returned the vehicle under the XXXX XXXX and was assured by the dealership that this return was within the time frame allowed for the XXXX XXXX and that this return would not affect my credit. XXXX XXXX is now reporting a collection/chargeoff to the XXXX XXXX XXXX XXXX credit bureaus in error. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have made numerous attempts to contact XXXX XXXX as well as the bureaus to remove this false reporting however, I have not been successful.

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 2021-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I attempted to place security freezes on all XXXX credit bureaus just yesterday. 
Experian was by far the most cumbersome if the XXXX. 
My identity was stolen by my estranged XXXX who can not seem to leave the fact that my given name was spelled making it very easy to steal my identity, and walk away as if I was the XXXX XXXX who abandoned our XXXX & the child support XXXX has never had to answer to the courts concerning. 
And, now that XXXX has done this once again, I do try to keep my credit from being tampered with before XXXX able to locate a XXXX way to keep me tied up fighting against collection companies that refuse to comprehend how easily it is for XXXX to pull these things, all due to the simple spelling of my first and middle name. 
Well, I just received an email back from no other than Experian, and I didnt need to read to far into the IMPORTANT INFORMATION reply to me in order for me to laugh and want to let those non-empathetic XXXX WHAT I HAVE BEEN TRYING TO EXPLAIN HOW XXXX  HAS DONE SO MUCH DAMAGE AND WITH SUCH EASE!! 
I have attached XXXX emails. 
The XXXX they sent to me, as well as my reply back to them about my entire point.

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 2021-05-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PACIFIC FORESIGHT FINANCIAL CORPORATION
State: IL

Complaint narrative:
I submitted my financial documents to a lender approximately 10 days ago. The lender has not communicated with me, yet he has my personal information. The lender 's name is XXXX XXXX, Vice President. The company is Pacific Foresight Financial Corporation. 
NMLS # XXXX, DRE # XXXX. I find this to not only be unprofessional, but unethical in obtaining financial information such as my social security number, but also other personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: FL

Complaint narrative:
Last year I was contacted by a collections company for a presumed debt at a medical facility. I informed them that the debt was not me and they said they would investigate the situation. Instead of doing so the debt was sold to another collections company this year who has now reported me to my credit houses

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Point Financial Corporation
State: WA

Complaint narrative:
XX/XX/2021 : Filled out the paperwork for our XX/XX/2021 first payment with homepoint financial after our refi. Requested Flex pay, meaning half the payment came out the XXXX of the month and the XXXX half the XXXX. Was told after calling several times everything was setup. 
XX/XX/2021 : XXXX full house payments where drafted from our account. I was told i couldnt get a refund on the second house payment for XXXX business days. I decided we would just pay XXXX and XXXX. I was told XXXX autopayment was setup for XX/XX/XXXX for our full house payment. 

XX/XX/2021 : A refund for the second house payment in XXXX was given with no notification to us. 

XX/XX/2021 : Received a notice our XXXX payment was late. Called and explained, and asked why I received a refund and no one let me know. They didnt have an answer. Paid XXXX and made use XXXX auto draft was setup for XX/XX/XXXX for full house payment. 

XX/XX/2021 : Nothing was drafted from our account on XX/XX/XXXX. I called and made the payment and confirmed auto pay for XX/XX/XXXX and was told this would be resolved. 

XX/XX/XXXX : No payment was drafted and issue still not resolved and XXXX didnt call me back with an update.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sensible Auto Lending, LLC
State: CT

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the XXXX Edition of the Privacy Act published by the U.S. Department of Justice. 
LISTINGS OF ALL HARD INQUIRIES I DISPUTE AS DAMAGING TO MY CREDIT PORTFOLIO PLEASE DELETE THE FOLLOWING UNAUTHORIZED INQUIRIES : SENSIBLE AUT XXXX XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS CREDIT KARMA AND CREDIT XXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. 

Thank you for your full consideration in this matter. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: CBC Companies, Inc.
State: CT

Complaint narrative:
I have filed a dispute in regard 's to incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results. The dispute was filed with XXXX, XXXX, and XXXX on the date of XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: Avantus, LLC
State: CT

Complaint narrative:
I have filed a dispute in regard 's to incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results. The dispute was filed with XXXX, XXXX, and XXXX on the date of XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A.
State: AZ

Complaint narrative:
I asked to come out of forbearance on XX/XX/2021 and Flagstar bank did not process it. I continued to make my monthly payments on time and continued to call them to get it escalated to get this rectified but to no avail. After 3 months of constant calling them they finally got it done but they did not back date it to the date I requested it to be done. It now states that I came out of forbearance on XX/XX/XXXX which was incorrect. Now I can not refi on my mortgage and it is costing me upwards of XXXX in interest. They need to backdate my loan so I can refi.

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 2021-05-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I HAVE 0VER XXXX of open credit. i used XXXX on a credit card. Equifax dropped my credit score by 47 points. XXXX dropped it also but by 3 points. I wrote Equifax repeatedly and they think they can do anything they want as you do nothing to them. I want Equifax investigated. If you look at my score and how it has dropped over 40 points many times in the past year for virtually nothing you will see. my name XXXX XXXX. XXXX ... XXXX ... ... XXXX ... ... .I am sick of how Equifax seems to think they can do this to any of us.I give you permission to look at my report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRUIST FINANCIAL CORPORATION
State: CT

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the XXXX Edition of the Privacy Act published by the U.S. Department of Justice. 
LISTINGS OF ALL HARD INQUIRIES I DISPUTE AS DAMAGING TO MY CREDIT PORTFOLIO PLEASE DELETE THE FOLLOWING UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX, XX/XX/XXXX IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS CREDIT KARMA AND CREDIT XXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. 

Thank you for your full consideration in this matter. 


Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: TX

Complaint narrative:
I have an account on my credit from XXXX that they have mislabeled as from XXXX I have evidence that I can provide showing that I purchased the car in XXXX and that's when the account was opened so it should be off my credit report and also that the balance that they're saying is incorrect.

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 2021-05-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Plutos Sama, LLC
State: MO

Complaint narrative:
While in the process of refinancing we were in contact with a Mark from Distressed Capital Management XXXX XXXX XXXX XXXX # XXXX XXXX CA XXXX number XXXX. 

We needed to ask him one more question for the refinance, we haven't been able to contact him or the company since ... it has been a month now and all the numbers I have with the company I have left messages with no response. I have along with my insurance company that needs their information have not received a call back in sed period of time. I need to make a payment to them but do not have the information to do so. Please help me.

Company response to consumer: Untimely response
Consumer complaint received 2021-05-11 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: MI

Complaint narrative:
Hello support team, Im hoping someone can help me with my situation here. So, on XX/XX/2021 I sent out letter regarding inaccurate and unknown information that I found on my credit report after reviewing my report early this year. I'm so frustrated. I reached out to these companies for an explanation on the wrong stuff and still to this day, I have not received anything at all. not even an acknowledgement to my concerns, and we're approaching over 60 days later. I thought they were suppose to look into this for me and get it corrected, especially after that Equifax data breach that put my information in jeopardy. 

I'm like really stressed out and dont know what to do, I have a new baby thats depended on me and this is really slowing my down and now I'm being ignored of my disputes too. I've been reading up on all of this and I see that in Section 611 ( a ), it is plainly states that a failure to investigate these items within 30-45 days give a clear reason to immediately remove those items from my credit report so I can go ahead with my life. We're approaching almost 60 days, so I am asking you to help me get these items deleted as soon as possible. I have attached some of the issues in the letters below for your reference. 

I demand these accounts be deleted immediately so I dont have to file for litigation which would be just even more stress for me and my family, I just want to know if my information was in the hands of the wrong person, before things get too bad. 

Thanks for looking into this for me and helping me out. 
This means alot,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: PA

Complaint narrative:
I disputed this debt with Aargon and what they sent me in the mail fell woefully short of what I requested. The documentation they sent to me was not received in a timely manner at all! I received their poor excuse for debt validation on XX/XX/XXXX, after I disputed the account on XX/XX/XXXX, and Pursuant to the Fair Debt Collection Act, they have 30 days to respond to a consumer for a validation request. I am very displeased by this, and the inaccurate and untimely reporting of this erroneous account is uncalled for!

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