vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: FCI Lender Services Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX., XXXX XXXX, XXXX XXXX, FCI Lenders, and XXXX XXXX ALL need to fined or put out of business and sent to jail. I got a lawyer and got the first lawsuit dropped. FCI Lenders told me I was almost {$24000.00} behind when XXXX refused to accept that when I went to court saying I owed {$45000.00} and then {$64000.00}. I was finally served with papers for the first time in XXXX of 2024 where they'd refiled the lawsuit, but then they supposedly sold my loan and didn't drop the suit. How on earth can someone that doesn't own my loan sue me? FCI Lenders offered me a payment of {$780.00} a month where I pay my own taxes and insurance. I've paid my own insurance for years anyway. I sent them a letter via mail, left two voice mails, faxed the letter, and emailed them stating that I would accept those terms and to send me the paperwork to sign. The first payment is due on the XXXX and I'm going to make it. Now, they're saying I'm {$65000.00} behind and that they took over the XXXX lawsuit. I don't see how they could have without their name or XXXX XXXX 's name on the paperwork. I'm going to attach more paperwork in case XXXX XXXX hasn't forwarded the latest to you. They really did doctor the ledgers and never gave me credit for a bunch of payments and sent a bunch back to try to make me look further behind on my mortgage. Their lawyer told me that they hear the same story about them saying we hadn't turned in the forbearance agreement paperwork when we had and I have email proof that I did. The first judge saw right through them too. I would appreciate it it your office would do a complete investigation and also find out just how many people they've done this to.

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 2024-07-21 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I recently looked on my credit reports from Experian 's website, XXXX XXXX  and XXXX XXXX  on XX/XX/year>. I noticed an inquiry that did not have " Permissible Purpose ''. According to the Fair Credit Act, anything that's reporting on my credit report must have Permissible Purpose according to USC 1681 B. 

Delete this XXXX XXXX XXXX Date XX/XX/year>. 


I have also informed Experian Several times that my mailing address is : 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 explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX claims I owe them a debt of {$410.00} but It has not provided any evidence backing up this claim. I sent my proof of payment along with a certified debt validation letter ( Uploaded ). It was Delivered on XX/XX/year>, but they ignored it. I have tried multiple times to have this debt validated to no avail. XXXX investigated the collection and removed it form my credit report but Transunion has not provided supporting documentation to show validity of this debt. I have no other recourse to resolve this issue as my pleas for clarity from XXXX have consistently fallen on deaf ears. I even spoke to their customer service representatives and they were unable to locate the billing source for this collection.

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 2024-07-21 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I am a victim of XXXX XXXX  of Debt bondage and would like for all listed accounts to be blocked and deleted from my credit report. 

XXXX XXXX XXXX XXXX Update to never late XXXX  {$0.00} XXXX Remove XXXX XXXX {$450.00} XXXX Remove

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion negligently violated my rights to privacy and maxium accuracy delete this account immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - How did you ensure maximum accuracy? 
- How did transunion verify the payment dates and amounts are accurate? 
- delete account I do not want transunion to report this account - update status date - update balance - When was this account opened originally? 
- when was this account closed originally? 
- update monthly payment amount - How much was the payment amount XX/XX/XXXX? 
- How much was the payment amount XX/XX/XXXX? 

- Provide proof showing there was no payment made on XX/XX/XXXX, the report does not show any payment history, this is a violation, provide payment history.

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 2024-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Coradius International LLC
State: VA

Complaint narrative:
I honestly have no idea what happened and I just got this letter on XXXX XXXX and I am confused. This debt is from XXXX and when people sent me money it was through Family and Friends and it says Payment protection is not allowed for Family and Friends so why am I being charged because someone disputed the money they sent to me? I have no business account with the amount being owed I have a personal account so this is a scam!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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: CT

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( 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 2024-07-21 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: TX

Complaint narrative:
Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX XXXX XXXX request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.

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 2024-07-21 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
This is against XXXX XXXX. After months of making regularly scheduled payments and then paying the account in full, XXXX XXXX and/or Synchrony Bank XXXX XXXX credit line to {$100.00}, in effect closing the account, even though the account is in good standing. These actions serve to negatively affect my credit scores with all XXXX credit reporting bureaus. These entities should not be able to arbitrarily take such action with the end effect of wreaking havoc on my credit scores. They have taken similar actions against accounts in my mother and father 's names, all of which come out of the same budget and household income, separate complaints for which are being filed simultaneously herewith.

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 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts.Sunrise credit service {$1900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: I.C. System, Inc.
State: TX

Complaint narrative:
XXXX. XXXX charters XXXX I C systems  # XXXX - How did you ensure maximum accuracy? 
- How did XXXX verify the payment dates and amounts are accurate? 
- delete account I do not want transunion to report this account - update status date - update balance - When was this account opened originally? 
- when was this account closed originally? 
- update monthly payment amount - How much was the payment amount XX/XX/XXXX? 
- How much was the payment amount XX/XX/XXXX? 

- Provide proof showing there was no payment made on XX/XX/XXXX, the report does not show any payment history, this is a violation, provide payment history.

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 2024-07-21 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: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items, which only two are required per law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
There is an account on my credit from XXXX XXXX XXXX for {$1200.00} and this is a fraudulent claim because I cancelled my XXXX XXXX XXXX and got another car insurance at a cheaper rate and now 2 years later an account showing that it was opened in XXXX XXXX. # XXXX it is illegal in the state of Virginia to have XXXX insurance policies on XXXX car, I found a cheaper policy with State Farm insurance that was less than XXXX of what XXXX XXXX was charging me and in fact they owed me money for the last month I was with them because I got the other insurance in the middle of a month and cancelled them. XXXX XXXX company taking advantage of the little tax payer and they had the audacity to sell a fraudulent account to a credit collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello, My name is XXXX XXXX XXXX, Consumer, who currently reside at XXXX XXXX  XXXX XXXX XXXX, FL XXXX, which is in XXXX XXXX XXXX I am writing this complaint because Transunion, LLC., is furnishing inaccurate, inequitable, negative information that is causing XXXX XXXX XXXX XXXX Consumer, severe financial distress, causing her to be unable to extend credit. These accounts need to be purged, deleted, and/or removed from the Transunion credit file of 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 2024-07-21 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: TX

Complaint narrative:
Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account :, XXXX XXXX XXXX XXXX I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.

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 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX05C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC
State: VA

Complaint narrative:
My mortgage company raised my balance by XXXX XXXX dollars a month and provided no time for us to come up with the new payment or no documentation that they where raising our mortgage. They provided me with no supervisor when I asked to speak to one. They provided me with no documents of where all this money is going that I am paying extra for. We dont need to pay PMI or taxes and they refuse to negotiate with us to get rid of these practices. We had a mortgage since 2006 and never had as told our escrow was low by XXXX XXXX dollars. Its ridiculous to do to a consumer without any notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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: TX

Complaint narrative:
Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account :. XXXX XXXX XXXX I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.

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 2024-07-21 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: MI

Complaint narrative:
I am a victim of human trafficking of Debt bondage and would like for all listed accounts to be blocked and deleted : XXXX XXXX {$0.00} 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 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX - How did you ensure maximum accuracy? 
- How did transunion verify the payment dates and amounts are accurate? 
- delete account I do not want transunion to report this account - update status date - update balance - When was this account opened originally? 
- when was this account closed originally? 
- update monthly payment amount - How much was the payment amount XX/XX/XXXX? 
- How much was the payment amount XX/XX/XXXX? 

- Provide proof showing there was no payment made on XX/XX/XXXX, the report does not show any payment history, this is a violation, provide payment history.

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 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX # XXXX - How did you ensure maximum accuracy? 
- How did transunion verify the payment dates and amounts are accurate? 
- delete account I do not want transunion to report this account - update status date - update balance - When was this account opened originally? 
- when was this account closed originally? 
- update monthly payment amount - How much was the payment amount XX/XX/XXXX? 
- How much was the payment amount XX/XX/XXXX? 

- Provide proof showing there was no payment made on XX/XX/XXXX, the report does not show any payment history, this is a violation, provide payment history.

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 2024-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
I tried to deposit cash into my bank atm at XXXX pm sunday And it didn't work, it also kept my cash and locked up the atm machine. I am going to be late for work but wanted to make some kind d of record of the incident because it is Sunday and I can not get ahold of anyone to report it.

Company response to consumer: Closed with explanation