vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I filed and was approved for a forebearance in XX/XX/XXXX. Freedom Mortgage approved this forebearance for the month of XXXX and XX/XX/XXXX. Then they came back after telling me the back payments would be put on the back end of the loan and requested that I double up on my payments in XXXX and XXXX. They advised me no late fees would be charged if I paid the double payments timely. In XXXX and XXXX of XXXX, I doubled up on the payments, did not nor was I ever charged a late fee. In XXXX of XXXX, this Mortgage Company put a negative report on my credit history stating I was late with my Mortgage which is hurting my credit. 

I think and believe they did this to get back at me for filing a complaint against them. 

I want this negative untrue report to be removed from my credit rating.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
Unauthorized inquiries have been detected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I reviewed my credit report and came across unfamiliar accounts. Despite my attempts to contact the relevant parties for verification, they have consistently ignored my requests and have not provided any verification.

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 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I viewed my credit report and noticed that there are fraudulent accounts.

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 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I always made sure that I paid on time, why there is a mistake in my credit report?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I always made sure that I paid on time, why there is a mistake in my credit report?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax has XXXX XXXX XXXX account XXXX remaining as a negative account when I filed identity theft and fraud reports with the FTC and CFPB under FCRA and further made them aware that this fraud was reported to the furnished in XXXX XXXX XXXX as well as the source. The credit limit is {$750.00}, and the balance of over {$1500.00} was reported immediately to XXXX XXXX as fraud and also gave them the source of the fraud. This account is under fraud and, due to identity theft, should be deleted immediately, given the additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I always made sure that I paid on time, why there is a mistake in my credit report?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting 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:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX AND TRANSUNION.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2024-05-07 00:00:00
Product: Credit reporting 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:
I viewed my credit report and noticed that there are fraudulent accounts.

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 2024-05-07 00:00:00
Product: Credit reporting 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:
There are inquiries under my name that are a result of Identity Theft in which I have no direct engagement. I have already filed the proper documentation for these and have sent it to the bureaus but they did not remove them. 
Please see the attached documents for these inquiries I am complaining

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 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting 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:
I demand you remove all this personal information. Information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I disputed a XXXX XXXX XXXX on my consumer report with TransUnion. I asked them to send me a proper validation proving this debt indeed does belong to me which they did not provide but deem this account verified. TransUnion is being very unethical and handling business unprofessional. TransUnion did not provide the information requested which is violating the 15 USC 1681e statue. This has proven TransUnion has done an improper investigation.

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 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-05-07 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that I was in fact paid on time. the consumer reporting agencies have need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following XX/XX/year> and XX/XX/year>. I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. if this information can not be verified I demand these payments be updated to paid on time immediately. thank you for your understanding and prompt action!

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 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc.
State: NC

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Waypoint Resource Group, LLC
State: WI

Complaint narrative:
XX/XX/XXXX I brought XXXX XXXX XXXX  from XXXX XXXX a XXXX and transferred a XXXX  XXXX  I was told XXXX  XXXX  was just going to be transferred and know payment will be due on that phone we gave XXXX XXXX XXXX old XXXX  and and a another phone. The problem is the XXXX XXXX in XX/XX/XXXX both XXXX XXXX broke at the bend we had insurance on the phones and they were still under manufactured warranty. We were told to take to XXXX XXXX XXXX XXXX. My phone they fixed the phone but they didn't fix the camera they stated they couldn't my daughter XXXX XXXX they fixed the phone then rebroke the phone because they couldn't fix the camera then I was told to send phones to XXXX they told us both the mother broad was broke and we would have to pay like XXXX to get each phone fixed. So I wrote a letter to CEO XXXX XXXX Stating what happened with my XXXX XXXX XXXX in the Internet he is listed as the CEO of XXXX XXXX I never received a response until now when I got the letter from the collection agency. I don't feel I owe them XXXX. I would like some type of compromise. We can't use our phones so we went to XXXX and got new phones. Our phones were insured so we feel they were not new phones if the mother board broke on both phones. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Wisconsin. XXXX. And am sure other people had the same problem with the XXXX XXXX When we came into XXXX XXXX a young lady was there for the problem we had with our phone. We should of not got them. You live and learn. 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 explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have asked TransUnion many times THE METHOD THEY USE TO " VERIFY '' INFOMATION ON MY CREDIT REPORT IN DETAIL. XXXX, you fail to address that issue whatsoever, several time. You failed to answer me within 30 days which is illegal and by law you must remove the following information. NOT MY DEBT REMOVE IT : XXXX XXXX XXXX XXXX XXXX XXXX. THIS WAS ALREADY PAID AS A CHARGE OFF WITH a XXXX I filed with my taxes. YOU CAN NOT COLLECT ON A DEBT TWICE!!! | XXXX XXXX XXXX XXXX XXXX XXXX THIS WAS ALREADY PAID AS A CHARGE OFF WITH a XXXX I filed with my taxes. YOU CAN NOT COLLECT ON A DEBT TWICE!!! : I dispute your claims and I am requesting validation from your pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). - Provide a breakdown of fees including how you calculated what you claim I owe. - Provide a copy of my signature on a contract or document that holds me responsible for his alleged debt. -Cease any credit bureau reporting until debt had been validate by me as required under the FCRA . - Send me proof that you are licensed to collect debt in my state. Send this information to my address listed enclosed and accept this letter send as my formal debt validation request, which I am allowed under the FDCPA.

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 2024-05-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Possible Financial Inc
State: OK

Complaint narrative:
I have had several of these XXXX XXXX  short term loans with possible in the past, and this one I had an emergency come up and was running low on cash, possible always has a popup in the app that says " need to reschedule your payment? '' So I decided to try it. It said this won't affect your credit and gave me several different dates to choose from in the current month And as far as XXXX months out. I rescheduled for XXXX weeks later. That payment date came around and I paid it, the next payment I decided to reschedule just to try and get everything caught back up. I chose a date that was more than XXXX  days out and The disclaimer came on the screen and said this won't affect your credit but might affect future loans with possible. I decided to take the risk, since it wouldn't hurt my credit and these loans are very expensive. Fast forward to XXXX  days before my last XXXX payments are due all the sudden possible  has reported my account XXXX days late to the credit agencies so I emailed them. They said well if its past XXXX  days your late. This is a XXXX XXXX app, why would a ) they allow me to post pone a payment so far in the future it would show late on my reports, and b ) why would I post pone for that same reason. I have worked very hard to get my credit to where it is again. Now, they have reported me delinquent even tho I payed the whole thing off the day I found out about the late reporting. I paid it XXXX  days ago and I keep getting emails saying its in default its reporting late, delinquent and deragatory on the credit reports. and the customer service will not respond and if they do its a cookie cutter response that has nothing to do with my situation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation