vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-12 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: IN

Complaint narrative:
Still cant log into my account. All Transunion did to " fix '' the problem was send me my credit report. Thats not what i wanted.

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 2023-07-12 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: PA

Complaint narrative:
To Transunion Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account Number : XXXX Please remove it from my credit report. 
3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report.

4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
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 non-monetary relief
Consumer complaint received 2023-07-12 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: IL

Complaint narrative:
Based on 15 U.S Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt It has been 30 days and you are in VIOLATION of this Law because I am a victim of identity theft! Please delete those items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION! under 15 U.S Code - Permissible purposes of consumer reports ( a ) IN GENERAL Subject subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT is IDENTITY THEFT. As consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2023-07-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Jon Barry and Associates, Inc.
State: VA

Complaint narrative:
Paragon Revenue Group Hit my credit on XX/XX/XXXX and I had no knowledge of the account. It wasn't until I called the debt collector that i found out that they were collecting for " XXXX XXXX XXXX XXXX XXXX For a date of service of XX/XX/XXXX that i gave birth to the my daughter XXXX XXXX. The debt collector case worker " XXXX XXXX '' that is assigned to me was very rude to me after i tried to explain to her that I have Medicaid health insurance at the time told me it was my fault and she did not want to hear me but wanted to know how did i want to pay the debt? Which prompted me to call the health insurance XXXX XXXX XXXX XXXX VIRGINIA XXXX who stated the claim was denied because it was not filed in a timely manner. The claim should have been filed under my insurance that follows my newborn from birth to 2 months of life according to my insurance and they did not file to my insurance directly but to my daughters insurance and not in a timely manner. The insurance advised me to file a complaint with medicaid because i am not at fault and the hospital is trying to balance bill me which is not legal and correct since they were the ones to make the error. I have called back to the hospital billing department who advised me to deal with the debt collector and that a supervisor will follow up if more information is needed but have not received a call. The provider also never notified me of a denied claim neither by MAIL OR PHONE so i was not aware of the claim being denied until the debt collector reported to my credit. I also did not receive any debt verification from the debt collector or any collections notification regarding any debt before reporting to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I received an e-mail from Bank of America on XX/XX/2023 on my personal e-mail associated with a credit card account that I have with them that my debit card for a checking account was on the way. I did not open a checking account with them. I called them on XX/XX/XXXX and told them I did not open an account. They told me it was the result of fraud and someone had called in with my social security number to set up the account and that I needed to be on alert and contact all my other banks which I did. They also closed the account. I left it at that until I came across and article by XXXX on XX/XX/XXXX stating that BOA has been fined and is paying out hundreds of millions of dollars by yht CPFB due to fraud committed by the bank for opening unauthorized accounts to make their sales numbers look better. It all clicked. The account that was opened was a checking account with a {$0.00} balance. My email address wasn't changed. My password wasn't changed. My phone number wasn't changed. My address wasn't changed. I received the debit card for the unauthorized account in the mail. There were no funds to access nor was there any way for anyone besides me to access them. Either this was the result of the dumbest criminal in the world or the bank opened the account without my authorization and lied to me about it to cover their tracks. I spent DAYS contacting banks, changing user names and passwords, setting up new email addresses, etc., all because some banker wanted to show an extra account opened. Clearly the activities they're being penalized for have not stopped.

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 2023-07-12 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: CA

Complaint narrative:
I'M A VICTIM OF IDENTITY THEFT. THIS IS MY 4TH REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I've disputes the incorrect personal information on my credit profile number of times, still hasn't been removed. please help. address/ names

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 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX THIS IS A FRADULENT INQUIRY PLEASE REMOVE XXXX XXXX XXXX XXXX THIS IS FRADULENT INQUIRY PLEASE REMOVE 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 2023-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: CA

Complaint narrative:
I made an arrangement with XXXX and will upload the agreement. XXXX stopped all of a sudden and was sent to Credit Control who said they heard nothing regarding the agreement with XXXX. When I called the primary holder of the debt the man I spoke to acknowledged the payments made but not agreement that I have in writing and told me I am facing default and legal action. This is all a bunch of misinformation and falsehoods. 

I have the proof right here. 

{$3900.00} was reduced to {$1900.00} this was all done as soon as this was about to fall of my credit so I was tricked into this agreement with threats, to allow for the loophole to make the clock start again even thought it had been over 7 years and was no longer on my credit report. But I work a program of fiscal amends and I went along with it, not knowing this was all shady.

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 2023-07-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Telerecovery Corporation
State: LA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: MO

Complaint narrative:
XXXX XXXX began billing internet service before a line was run into my home. They agreed that services not provided should not have been billed. They ran a line and I began and continue to pay monthly for services. The amount previously billed was mistakenly sent to collections. CBE GROUP INC has been trying to collect the invalid debt and has now for a second time reported it as delinquent to the credit agencies. I had already disputed once successfully to the credit bureaus and explained the situation the both XXXX and CBE. Last month CBE resubmitted the account as delinquent and in collections. I'm now in the process of having to dispute this a second time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Numerous requests to provide proof of debt has gone unanswered. This debt is a result of fraud and I have request CCS Collection to remove to no avail. The agency refuse to response to inquiry or assist with clearing up the issue.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: TX

Complaint narrative:
As stated before I have been a loyal paying customer since you guys purchased my loan back in XXXX my loan had no history of late payments. The only issue I had occurred due to improper handling of my loans property taxes. In XXXX the taxes were paid on XX/XX/XXXX for XXXX with no issue. However for some reason XXXX 's taxes had the issue of not being paid out or accounted for until XX/XX/XXXX for a total of XXXX. Three months later on XX/XX/XXXX the taxes were also added for XXXX for a total of XXXX making my payments spiral out of control. My argument is that this is a mistake caused by BSI not properly handling/servicing my loan payments starting from XX/XX/XXXX. My payments started off the year at XXXX by next month someone who works at BSI changed the system payment to XXXX on XX/XX/XXXX which continued all the way until XX/XX/XXXX. I have never missed a payment before this issue caused my payment to balloon from from XXXX to XXXX and all the way up to XXXX which causes a lot of stress and created a Financial hardship all within a years time. I Caught up on all payments and my account is current I paid over XXXX to catch up but my credit is ruined. I'm asking that BSI do the right thing like I tried too in bringing my account current and due to all the mistakes that were made. I was clearly affected by the immediate changes and ask that my credit report for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX be updated as paid as agreed the late payments are unnecessary when payment is up to date with no history of late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: VA

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX  Re : XXXX XXXX XXXX - XXXX I recently reviewed my credit report and found some errors in the reporting of XXXX XXXX XXXX - XXXX. You are reporting information about me that is inaccurate. All the three credit bureaus are reporting different balances and payment information. This account has not been properly verified. Delete the following account immediately for failing to comply with the FCRA : XXXX XXXX XXXX - XXXX Thank you for your time, 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 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Hi, I have multiple credit cards with Fifth third bank. I have alerts set up to email me when I have a statement or bill payment due. One particular card I have with fifth third that is set up with alerts was reported as a late payment. I never received a statement from Fifth third or an alert that there was a balance. Either by regular mail or email. I have offered to show Fifth third the search history for that card in my email and they seam to be uninterested in resolving. I currently still have this account set up with alerts and have confirmed with Fifth third but yet to this day i don't receive any statements in any form from them. This is a rarely used credit card and it was used by accident or this issue would not have been found. I have 2 cards with similar names on them. One is used often the other in question rarely. I can them to send me a statement in any form automatically. I have 4 cards currently with Fifth third and I receive the statements 3 monthly. Not the XXXX. These cards statements do show up with the last 4 digits of the card in the subject line. I have called and spoke to many different people at Fifth third and get a different answer each time. They do acknowledge I have alerts set up correctly bt cant explain why I dont recieve statements. Each person claims they will call me cback and it never happens. I have never had a late on any credit report andthey are reporting me as late. This balance was paid off when i found out. I want this late remoeved from my credit report. that is all I am asking for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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: AL

Complaint narrative:
These unauthorized inquiries are negatively impacting my credit history and financial well-being. I kindly request your assistance in addressing this matter and having these inquiries promptly removed from my credit report. 

The unauthorized inquiries are as follows : 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 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 2023-07-13 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: AL

Complaint narrative:
These unauthorized inquiries are negatively impacting my credit history and financial well-being. I kindly request your assistance in addressing this matter and having these inquiries promptly removed from my credit report. 

The unauthorized inquiries are as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: AZ

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: UT

Complaint narrative:
I had a borrower ask me to come over and notarize some loan modification documents for Mr. Cooper. The problem is that Mr. Cooper put the borrowers name that still alive on one line and then they put the estate of a deceased person on the other line and they put the Verbiage The, Estate of XXXX, XXXX XXXX in the notary certificate, and I cant have that verbiage in a notary certificate for three reasons. 1- I cant notarized in the state. I must notarize a persons signature. 2- the signature line was to be left blank so I cant notarize for a blank signature spot. 3- the person is deceased, and they still want all of this verbiage in the notary certificate, and it is wrong wrong wrong. I argued and argued with him and even talked to the Utah lieutenant governors office and had XXXX from the Utah lieutenant governors office. Talk to the supervisor at Mr. Cooper and they still just kept insisting that they wanted it done that way and refused to fix the documents. They said theyve had other notaries do this in the past and Im the only one who has had a problem with it. Probably because Im the only one that knows what theyre doing or isnt easily coerced into doing things that are wrong. 

So they admitted that they do it incorrectly all the time. 

I didnt get paid by the borrower or except for measley {$10.00} for wasting a half hour of my time. 

Please investigate Mr. Cooper as they dont seem to have any regard for the law.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation