vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-27 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: WA

Complaint narrative:
Last year I discovered a false account with US DEPT ED and XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it, and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute report, but they denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but they refuse to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.

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 2022-04-27 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: WA

Complaint narrative:
Last year I discovered a false account with US DEPT ED and US DOEXXXX reporting on my file because of identity theft. I contacted the credit bureaus about it, and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute report, but they denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but they refuse to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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:
Ive been a victim of identity theft there are accounts on my credit report that I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: FL

Complaint narrative:
My credit report will have no inquires 2 days later it will have a bunch.thats why I have fraud alerts on all my reports.a very unhappy ex thinks its cute to try to sabotage me by pretending hes me and applying to companys with my info just to make my life miserable.. I have filed police reports again and again as well as identity theft with the FCC. EQUIFAX REFUSES TO REMOVE THESE THIS NEEDS TO STOP THEY HAVE SCREAMED AT ME ON THE PHONE ITS NOT MY INQUIRY AND NOR DID I AUTHORIZE IT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
My husband who is a 100 % combat related XXXX veteran died on XX/XX/XXXX. Our home mortgage is in his name. I as the surviving spouse reported his death to Mr. Cooper mortgage company. With XXXX effecting so many people I was offered forbearance for a year. I graciously took this. At the end of the year, I was told that I had forbearance till the end of XXXX, XXXX. I would be given the opportunity to renegotiate the mortgage terms as of XXXX, XXXX. 

I have contacted Mr. Cooper on numerous occasions to get this process accomplished. Every time I am told that I did not send them complete information. For example, Mr. Cooper wanted verification of XXXX XXXX. They said they would accept either a letter from XXXX or 2 months of bank statements with the XXXX XXXX credited to my account. I gave them 2 months of bank statements. And I highlighted the deposits on each month to make it easy to identify. Six weeks after I submit these statements, I get a call from Mr. Cooper stating that they will NOT accept those bank statements and that they want the XXXX letter for the years of XXXX, XXXX, XXXX and XXXX. I immediately requested this information from XXXX but will have to wait for my request to be processed and sent to me via postal mail, before scanning and submitting to Mr. Cooper. 

It is now the end of XXXX, XXXX. I am constantly getting more and more requests for Mr. Cooper and each time it is delaying the restructuring of this mortgage. I wanted to get this done in XXXX, XXXX before the interest rate XXXX so that I could get a lower mortgage payment. 

I feel that this mortgage company is deliberately stalling the restructuring of this mortgage so that the interest rate will be higher and my payments would be increased. This is no way to treat the widow of a career XXXX veteran that became XXXX due to his time in service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Ive been a victim of identity theft there are accounts on my credit report that I did not authorize

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 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with The fair Credit reporting act. The list below has violated my federally protected consumer rights to privacy and confidentiality under 15 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions USC 1681 XXXX Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Commerce Home Mortgage, Inc
State: NJ

Complaint narrative:
Change has switched my loan type from a conventional 30 year fixed to an " interest only '' loan after sitting on my loan for 2 months and 3 days before my rate expires. They are doing this because they no longer offer the original product I was locked into early XX/XX/2022. This is beyond frustrating as we are already in breach of contract due to the ongoing delays caused by change. Change does not reply to any of my communications and they continue to intentionally let my rate locks expire with their tactics. Just last week XX/XX/2022 due to the delays caused by Change XXXX, I was forced into a loan that was 1.15 % higher ( from 5.1 % to 5.75 % to 6.25 % ) than my originally locked loan due to the intentional delays and now they switched the product on me 3 days before the new rate expires. 

I had originally filed a complaint ( XXXX ) with CFPB regarding the malpractice from Change Lending XXXX XXXX Change has been forcing me into higher rates by not providing me with a clear to close. They stop communicating with me every time my new locks expire and then force me into higher rates by telling me " take it or leave it ''. If I leave the loan the seller will sue and I will lose my deposit and any additional damages.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: CA

Complaint narrative:
In XXXX of 2021 I was 30 days past due on my XXXX XXXX XXXX also known as XXXX  card on my credit report. 
I called to explain that I was affected by XXXX  and had lost my job. I was receiving unemployment but in ended in XXXX of 2021 and a XXXX forbearance plan through my mortgage company ( attached document ). 
The company did not properly notate my account of my request and hardship. Even though I paid them as soon as could, they did not give me any consideration for the natural disaster that I faced. 
I was later told that the company does not take into consideration any XXXX  related hardships. In the last three years that Ive had this account this was the only time that I was more than 30 days late and they put a negative mark on my credit report.

It is affecting my personal life via my credit score to refinance my home now.

I have submitted a document as proof that I was on unemployment due to XXXX XXXX and that my claim expired the same month of the delinquency incident in XX/XX/2021.

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 2022-04-27 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:
In XXXX of 2021 I was 30 days past due on my XXXX XXXX  card also known as XXXX  card on my credit report. 
I called to explain that I was affected by Covid and had lost my job. I was receiving unemployment but in ended in XXXX of XXXX  and a Covid-19 forbearance plan through my mortgage company ( attached document ). 
The company did not properly notate my account of my request and hardship. Even though I paid them as soon as could, they did not give me any consideration for the natural disaster that I faced. 
I was later told that the company does not take into consideration any Covid related hardships. In the last three years that Ive had this account this was the only time that I was more than 30 days late and they put a negative mark on my credit report. 
It is affecting my personal life via my credit score to refinance my home now. 
I have submitted a document as proof that I was on unemployment due to Covid and that my claim expired the same month of the delinquency incident in XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Action of dispute XXXX XXXX with XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27 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: IL

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXX XXXX - Account # XXXX. I have never been late to this company providing a payment, yet they have late payments marked on my credit report. This is in reference to 15 U.S.C 1666 ( b ). This information is not accurate In accordance with the Fair Credit reporting act the following has violated my rights XXXX XXXX -Account # XXXX, XXXX XXXX-Account # XXXX, XXXX XXXX  - Account XXXX XXXX, XXXX XXXX -Account XXXX, XXXX XXXX- account # XXXX, XXXX XXXX  - Account # XXXX XXXX 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 states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C. 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of following items of information any other adverse item of information, other then records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C.1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

My rights as a consumer has been violated.

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 2022-04-27 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: IL

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXX XXXX - Account # XXXX. I have never been late to this company providing a payment, yet they have late payments marked on my credit report. This is in reference to 15 U.S.C 1666 ( b ). This information is not accurate In accordance with the Fair Credit reporting act the following has violated my rights XXXX XXXX -Account # XXXX, XXXX XXXX-Account # XXXX, XXXX XXXX  - Account XXXX XXXX, XXXX XXXX  -Account XXXX, XXXX XXXX- account # XXXX, XXXX XXXX - Account # XXXX XXXX 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 states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of following items of information any other adverse item of information, other then records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C.1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

My rights as a consumer has been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, 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. 


XXXX  XXXX XXXX XXXX Last reported XXXX XXXX, XXXX  {$310.00} Open balance XXXX XXXX  XXXX Original creditor XXXX XXXX Last reported XXXX XXXX, XXXX  {$250.00} Open balance XXXX XXXX XXXX Original creditor

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 2022-04-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE REQUESTED THE PAYMENT INFORMATION FROM BOTH PARTIES ON XX/XX/2022 EXPERIAN AND XXXX & XXXX FOR XXXX NEGATIVE PAYMENT HISTORY AND NEVER RECIEVED THE INFORMATION AFTER NUMEROUS REQUEST HOWEVER ITS WAY PAST 30 DAYS FROM LAST LETTER, SO SINCE THE INFORMATION HASN'T BEEN RECEIVED AND THY 'RE REPORTING CURRENT ON A CLOSED ACCOUNT THE DEBT NEED TO BE DELETED ASAP. 

ACCOUNT INFO. 
XXXX XXXX XXXX Account numberXXXX XXXX Account XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: PA

Complaint narrative:
Action of dispute XXXX XXXX with Experian

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 2022-04-27 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I HAVE REQUESTED THE PAYMENT INFORMATION FROM BOTH PARTIES ON XX/XX/2022 XXXX AND SANTANDERS & XXXX FOR ALLEDGE NEGATIVE PAYMENT HISTORY AND NEVER RECIEVED THE INFORMATION AFTER NUMEROUS REQUEST HOWEVER ITS WAY PAST 30 DAYS FROM LAST LETTER, SO SINCE THE INFORMATION HASN'T BEEN RECEIVED AND THY 'RE REPORTING CURRENT ON A CLOSED ACCOUNT THE DEBT NEED TO BE DELETED ASAP. 

ACCOUNT INFO. 
SANTANDER CONSUMER USA Account XXXX XXXX Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I HAVE REQUESTED THE PAYMENT INFORMATION FROM BOTH PARTIES ON XX/XX/2022 XXXX AND XXXX & BRIDGECREST FOR ALLEDGE NEGATIVE PAYMENT HISTORY AND NEVER RECIEVED THE INFORMATION AFTER NUMEROUS REQUEST HOWEVER ITS WAY PAST 30 DAYS FROM LAST LETTER, SO SINCE THE INFORMATION HASN'T BEEN RECEIVED AND THY 'RE REPORTING CURRENT ON A CLOSED ACCOUNT THE DEBT NEED TO BE DELETED ASAP. 

ACCOUNT INFO. 
XXXX XXXX XXXX Account XXXX BRIDGECREST Account XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: SC

Complaint narrative:
EQUIFAX DID A POOR INVESTIGATION. I GAVE LAWS STATING WHAT THEY BROKE THERE STILL WAS MANUAL INVESTIGATION DONE. THEY CONTACTED ME THRU MAIL. THE INVESTIGATION ONLY VERIFIED MY ADDRESS AND NAME. MY PERSONAL INFO WAS ADDED TO MAKE IT SEEM LEGITIMATE. THE ADDRESS BEGINNING WITH XXXX IS NOT MINE AND PHONE NUMBER XXXX I DONT KNOW OF. 15 U.S. Code 1692c. THEY CONTACTING ME FOR A HIPAA VIOLATION AND EQUIFAX IS HELPING THEM BREAK THE LAW. THIS ACCOUNT HAS CHANGED MANY TIMES OVER THE YEAR. 17 DAY EQUIFAX CANE UP WITH NOTHING. NO SUPPORTING DOCUMENTS WERE GIVEN. I WOULD LIKE THE CONTRACT AAND MY SIGNATURE AS PROOF AND WHAT THE DEBT WAS FOR IF ANY OFF THAT INFO THAT IS SOMEONE ELSES REGARDLESS IS A HIPAA VIOLATION. I WISH FOR THIS TO BE REMOVE AS SoON AS POSSIBLE. This XXXX XXXX is using collected info from it's institution and this bureau to stay attached to my credit. I still do not know what the debt is OR PROOF ITS mine only that it has my personal info which IS not safe if a hospital GIVES XXXX XXXX ANY INFO CONTAINING TO ME IS A HIPAA VIOLATION USING STOLEN INFO I DID NOT GIVE PERMISSION TO BE RELEASED AND CONNECT MY NAME TO A ACCOUNT THATS NOT MINE. 
THERE HAS NOT BEEN ONE PIECE OF PROOF. CfPb I have contacted you too about this they came back to Equifax. 
Equifax do real investigation and see that they breaking LAWs they use to call me when I disputed the mail they sent me that should been it. Wheres the justice. This is not my debt and don't recognize it be. I wish for Equifax to do there job and protect the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IN

Complaint narrative:
My insurance with XXXX XXXX XXXX  auto insurance was cancelled due the number of incorrect points reported to the XXXX that was placed on my Indiana Driving record and incorrect information such as suspended license reported to the XXXX XXXX. This inaccurate information reported to the XXXX caused my auto insurance with XXXX XXXX XXXX to be cancelled and increase of insurance fees when I went to get new auto insurance coverage from XXXX XXXX. I was told this would be the case with any insurance company because of my driving record. I explained to XXXX XXXX agent assistant that the information from the XXXX is inaccurate and gave XXXX XXXX a copy of my driving record that stated I completed a driving class and that my driving record from the XXXX should show 2 points as well as no suspended license, but the XXXX did not update the information so the information they are reporting out to other agencies is inaccurate. XXXX XXXX Insurance Assistant states they get their information from Lexis Nexus and that I should call and inform them that inaccurate information is being reported due to the XXXX not updating the information in their system. I contacted LexisNexis but have not got a response as well as Consumer Credit reporting agency to inform them of the inaccurate information that is being reported on my credit report and other reports. All this incorrect information is due to the XXXX not updating the records on my driving report. When spoke to the XXXX they stated there was nothing they could do because they do not enter the information into the system. I pointed out the discrepancies on the report to the rep at the XXXX XXXX and all she states she could do is give the number to call to ask that the information be changed, updated and accurate.

Company response to consumer: Closed with explanation