vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-22 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: SC

Complaint narrative:
XX/XX/2022 Letter sent to Trans Union asking to please remove fraudulent accounts from my consumer report. Accounts were not removed and response was never given. FCRA clearly states reporting agencies have 30 days to respond upon receival. 

XX/XX/2022 Letter sent to Tans Union stating they have failed to reply to anything. And accounts were updated in their system as verified, which is illegal. 

Proof Attached

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 2022-09-22 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: CA

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

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

15 U.S.C 1681 Section 604 A Section XXXX : It also states 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 2022-09-22 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: Credit Karma, LLC
State: GA

Complaint narrative:
From the year XXXX I have been deceived by Credit Karma false pre-approved credit card and personal loan offers. Those offers have cause damage to my credit and on some occasions the loan companies would say they would pull a soft inquiry on your credit report in turn they would pull a hard inquiry which causes damage to my credit score and the ability to get the credit that I rightfully deserve.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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 XXXX XXXX Account # XXXX, has violated my rights. 

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 2022-09-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ACS Education Services
State: NJ

Complaint narrative:
ACS XXXX XXXX still showing negative item in my credit history and is effecting my everyday life ( Credit History, Ratio with mortgage, other personal things since XXXX ) Now I seen a Settlement agreement that was entered through the Department of Justice on behalf of Department of Education ( XXXX ) knowing them submitting false claims to the Department of Education resulting false claims. 

Address Identification # XXXX XXXX XXXX XXXX XXXX NY XXXX Terms 144 Months XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
I filed a complaint a couple weeks ago. The number is XXXX. I would like to connect this with that one if possible. A couple days after I filed other complaint with you guys I spoke to a person at Right Path Servicing. I felt that he was trying to strong arm me. Ive talked to him a couple times before the last several months. He said he was assigned to my case several times. Yet he never knew anything about it and had to put me on hold and look at the notes everytime. The last time I talked to him our conversation escalated. The phone signal failed. Not sure why. I didnt hang up the phone on my end. The very next day someone called me telling me that my modification was no longer in underwriting and that it was denied. Thats very strange to me that the day after we talked that my modification was denied. It was approved months ago after I sent them the notarized papers 4 different times because of errors on their end. My only option was to accept the cancellation of modification and apply for a new one. Thats very strange to me. The guy that set up for me from the same company told me that he even thought it was weird that they closed my modification because everything was approved and it was notarized through the counties. Today earlier XXXX. The same guy that I feel hung up on me and had my account closed called me today. I told him I had nothing to say to him at all. I immediately called back and spoke to another person and told her what was going on. She too said she cant understand why they would close modification when everything was approved and notarized. I asked her to set up a call back with a supervisor. She told me that someone would call me back Im within 24-48 hours. As I stated before. Before covid I made all my payments always on time never late. Covid impacted me and cause me to lose my job and fall behind on eveything. Ive finally bounced back and can make mortgage payments again. Then sending me papers 4 different times to get notarized while I paid for them, switching companies from community loan to right path in the middle of all that. And showing my modification and under review for 4-5 months has really just rubbed me the wrong way. Plus my supposed approved modification being denied out of the blue is very strange to me. Like I said to them. I just want to get back to making my payments again normally and on time. They called me everyday for 5 months. I dont want them to call me and I dont want to call them. Thanks for looking. I put the case number for other file on top of this one. Im hoping that you guys can connect the two. Thanks again

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
Hi. I was scammed for {$800.00} through a XXXX XXXX transaction via Zelle on Tuesday, XX/XX/20. 
I am selling a couch for {$600.00} on XXXX XXXX. Someone wanted to purchase it immediately for {$700.00} and offered to pay via Zelle. I agreed, gave her my Zelle email and I got an email from Zelle saying XXXX XXXX ( the buyer ) sent me {$700.00}, but she sent it to me via a business account and in order to obtain my money, I needed {$1000.00} in my account to fully activate it - so XXXX would have to send me another {$300.00}. XXXX agreed via XXXX XXXX as long as I paid her back immediately, so I got an email a few minutes later from Zelle saying she sent me {$300.00}. I then sent XXXX back {$300.00} via Zelle and got an email saying my account was validated and I would be paid immediately. I then got another email saying that XXXX accidentally sent me {$500.00} so they could not clear my account and that I would have to pay Zelle {$500.00} to pay her back before they could send me my money. So I sent another {$500.00}. At that point, I was out {$800.00} and sent an email asking when I would get my {$1500.00} paid ( {$700.00} for the couch plus the {$800.00} I was owed ). They responded right away stating another problem and that I had to pay another {$500.00}. At that point, I realized I was being scammed. I submitted a claim with XXXX XXXX XXXXXXXX and Zelle, but I haven't heard back from either yet on the status of my claim. From what I've understood from the bank, they are refusing to cover the {$800.00} since I sent the money voluntarily. However, I was tricked into doing this and it was a clear scam- it's no different if my credit card got hacked for {$800.00} and the bank had to cover it. I've been a XXXX  XXXX XXXX XXXX for XXXX years and have tens of thousands of dollars with them, so it's disappointing to hear that they are not supporting me. Zelle has also been very unhelpful. I've spent hours on the phone with them trying to get someone to speak to me. It's too easy to get scammed on their platform and they don't seem to care or do anything about it. It's been 48 hours since I submitted my claim on Tuesday, XX/XX/20 and I still haven't heard anything back. The scammer has probably cancelled the account by now and just has my {$800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: Experian Information Solutions Inc.
State: FL

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

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

15 U.S.C 1681 Section 604 A Section XXXX : 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 2022-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: MT

Complaint narrative:
The company I work for has a corporate American Express account of which I am the primary contact for. Between XXXX and XXXX XXXX  XXXX on XX/XX/2022 I received 6 phone calls from ( XXXX ) XXXX. After ignoring the first 2 calls, I answered the 3rd call. An automated voice stated they were calling me ( by name ) in regards to my American Express card ending in XXXX and that fraudulent activity was detected. I was in the middle of another project and immediately hung up mid-recording. About an hour later I had completed the project I was working on and began investigating the call. I had thought it was odd I didn't get a text or email from AmEx regarding the suspected fraud. I logged into the AmEx account online and did not notice any suspicious activity. I then called the number on the back of my AmEx and spoke to a representative from the fraud department. It is worth noting, the number on the back of my AmEx did not match the number that called me. The fraud department rep stated there was no suspicious activity flagged on our account nor any notes on our account regarding a verified AmEx rep reaching out to me. I did provide the number that called me to the rep who did verify that it was the AmEx consumer number, which was fishy in and of itself because this a corporate card not personal. The fraud rep stated it was likely a fishing scam. Today, between XXXX XXXX  and XXXX XXXX  XXXX I received 18 calls from ( XXXX ) XXXX. I did not answer any of them. Not only is this an inappropriate credit card scam, but the frequency of the calls is harrassing in nature! That makes 24 calls is less than 24 hours!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Finance Company, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX company has sent my paid off closed account to, XXXX XXXX XXXX, this has damaged my credit

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 2022-09-22 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: Experian Information Solutions Inc.
State: IL

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

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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-09-22 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: FC HoldCo LLC
State: IL

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

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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-09-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: FL

Complaint narrative:
Completed a successful XXXX loan mod this year. I have a payment issue. My mortgage payment ( PITI ) as per the escrow analysis done on XX/XX/2022 is {$2100.00} starting XX/XX/2022. Selene Finance ( the servicer ) claims they errored in the analysis and are now asking for {$2500.00} starting XX/XX/2022. The taxes and insurance have not increased. The variable is ( {$4700.00} yearly ). They have not been able to explain other than stating the PI of the loan was calculated incorrectly. They claim the PI to be XXXX. I also asked Selene to remove the mortgage insurance retroactively from my account being that the property market value vs the current principal loan balance is well under the 80 % mark. They have denied this request with no real basis to substantiate themselves. Finally, they filed a foreclosure action at the beginning of 2022 that was finalized with a court order in which all parties were ordered to pay their own attorneys fees and cost. Selene added their fees and cost to my loan balance. I have provided a copy of the court order to Selene and have yet to see any action on their part to remedy this. It has been months and nothing to date. A payment was made in the amount of {$2100.00} for XX/XX/2022 and they have cashed this check placing the funds in a suspense account. My mortgage loan now shows as past due in Selene 's system. Please assist to resolve these matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXXXXXX XXXX  XXXX XXXX have violated my rights. 

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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, and XXXXXXXX XXXX XXXXXXXX XXXX have violated my rights. 

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 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 2022-09-22 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: MD

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX  XXXX XXXX have violated my rights. 

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 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 2022-09-22 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: TN

Complaint narrative:
I asked them to verify the debt on account. They verified said debt and upon further investigation on my own behalf I found that there were still some inaccuracies, therefore a thorough investigation could not have been done. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish an account without written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX XXXX : XXXX I am disputing this claim as the information is no longer in existence. This is my official request to have the aforementioned item to be deleted off my credit report. this information was an discharge

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I had a trash collection company that I contracted with by the quarter. My last quarter contracting with them was XXXX, XXXX, XXXX of XXXX  and it was paid in full. In XXXX I sent written notice to three different addresses informing them that I would not renew for the next quarter and I have contracted with another trash collecting company beginning on XX/XX/2022. The former trash company, XXXX XXXX, hasn't picked up my trash since XX/XX/2022 but they are been billing me {$84.00} for the service XX/XX/2022 through XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collection Agent Transworld Systems Inc XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
This company, in conspiracy with XXXX XXXX XXXX, for over three years, continues to fraudulently and falsely report a collections account and defame my character, alleging that I owe an amount which was covered by insurance. I continue to suffer as a consumer from this fraudulent and false reporting. Please see attachments.

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 2022-09-22 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 XXXX XXXX Account # XXXX, has violated my rights. 

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 response to consumer: Closed with explanation