vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-03 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:
I am XXXX XXXX, who is submitting this CFPB complaint. This complaint to TransUnion was the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX Balance : {$0.00}

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 2022-08-02 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: AL

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

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

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NV

Complaint narrative:
The cable/internet company XXXX XXXX has attached an account in collections that is not mine but belonged to a previous resident at my former address. My account is current. They refuse to remove the delinquent account off my credit report because my former address was the same as the other account.

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 2022-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: MN

Complaint narrative:
I was scammed out of {$4400.00} in fraudulent charges in XXXXXXXX XXXX. I was offered a job that required that I purchase a laptop, iphone, accessories and send them to an engieer to have software installed. The representative of XXXX, XXXX XXXX, gave me a XXXX routing number number and account number for a ACH deposits of {$3400.00} and {$980.00}. These would bring my Discover Card balance to {$0.00} and I could purchase the laptop and iphone with my Discover Card. I did this as he directed. Once I did this, he stopped payment on the ACH deposits, left me with a {$4400.00} bill on my Discover Card and no job. Discover Card will not write off this {$4400.00} as fraudulent charges because I authorized the purchases. I have argued with Discover Card that I was scammed into fraudulent purchases. The definition of a scam is " a dishonest fraudulent scheme that attempts to take money or something of value from people ''. Discover Card refuses to listen and insists there is a diffence between a scam and a fraud and I was scammed. I argue these are fraudulent charges as a result of a scam. I am making the monthly payment but it is draining my savings. They are negatively effecting my XXXX score as my balance is above my approved credit limit. I'm a XXXX year old woman trying to survive on Social Security and Discover Card is flexing their muscle of Corporate Greed and will not listen to any rationale. Help me please get this issue resolved. I have no other options.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

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

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

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
not in compliance with 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 2022-08-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I applied to get a loan through Freedom Mortgage. Freedom declined my loan because they weren't able to verify my CPA which isn't my fault. I offered to have my old CPA write a letter but they weren't taking it which seems odd to me. Im at risk of losing $ XXXX earnest money deposit and Freedom doesn't seem to want to help in any which way. Please Pleaase Help!

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 2022-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
Back in XXXX I had a mortgage with XXXX XXXX of {$96.00} dollards, XXXX XXXX  was been investigated for fraud. In XXXX this bank recorded with the county clerk of records of Florida a {$160.00} XXXX mortgage this mortgage was a fraud, was never advanced to me at this time XXXX XXXX  was found guilty of predatory lending it was orded to close all fraudulent accounts and XXXX millions dollars penalties, on XX/XX/XXXX this bank was last day in business.this bank send me the ORIGINAL PROMISORI NOTE ( blue ink ) and A MORTGAGE SATISFACTION ( blue ink ) plus a tax number for me to pay my own tax. They sent this documents to me following the federal investigation orders, after they sent theses documents I received a letter asking me to sent my monthly payments to U.S BANK. this mortgage was never assigned or endorsed to this bank, they enforced this mortgage with not even a single legal document. I have sent all my payments to them since XXXX I have asked them for copys of the assignment from XXXX XXXX  and they sent to me a fraudulent assignment from XXXX DONE ON XXXX they went to Wisconsin XXXX XXXX of XXXX they ILIGALLY RECORDED. in XXXX and XXXX XXXX  WENT OUT OF BUSSINESS IN XXXX.i stopped this payment on XX/XX/XXXX I told them I was going to have them investigate them and that after that my lawyer was going to contact them, the got scare and they suspended this mortgage they sent me a check for {$230.00} dollards XXXXXXXX XXXX and XXXX dollards suspending this account, I have all documents to prove this case.I 'm looking for a LAWYER at this time. Thanks.

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 2022-08-02 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: GA

Complaint narrative:
Hello, My name is XXXX XXXX. I'm in the process of trying to buy a house and I am having a difficult time doing so due to my credit. I am writing this to delete the following information in my life. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Theft Affidavit. Please delete the items as soon as possible.

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 2022-08-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: SUMMIT FUNDING, INC.
State: AZ

Complaint narrative:
On XX/XX/XXXX I received a VOM ( Verification of Mortgage ) Letter as I had requested from Summit Funding. When I received the VOM it reflected that my account had been paid 30 days late 6 times within the most recent 12 months. 

On XXXX XXXX I entered a final loan modification agreement with Summit Funding. Since this time and during my trial period before, I have not missed a single payment and my account has never gone over 30 days late. 

On XX/XX/XXXX I called Summit Funding and spoke with a representative who reviewed my account and agreed that my payments had never been over 30 days late since the completion of my loan modification. She also agreed to send me out a corrected VOM reflecting a payment history showing 0X30 late within the most recent 12 months. 

Yesterday morning I received an automated email from Summit Funding dated XX/XX/XXXX at XXXXXXXX XXXX showing 11 X30 late within the most recent 12 months, then I received a 2nd automated email from Summit Funding dated XX/XX/XXXX at XXXX showing 4 X30 late within the most recent 12 months. 

There is obviously a major issue happening with this company 's credit and mortgage payment reporting since my account has never been paid paid since the completion of my loan modification that happened XX/XX/XXXX. 

Attached is supporting documentation verifying my payment history within the most recent 12 months reflecting no payments were made >30 days late. 

XX/XX/XXXX payment was received XX/XX/XXXX XX/XX/XXXX payment was received XX/XX/XXXX XX/XX/XXXX payment was received XX/XX/XXXX XX/XX/XXXX payment was received XX/XX/XXXX XX/XX/XXXX payment was received XX/XX/XXXX XX/XX/XXXX payment was received XX/XX/XXXX XX/XX/XXXX payment was received XX/XX/XXXX XX/XX/XXXX payment was received XX/XX/XXXX XX/XX/XXXX payment was received XX/XX/XXXX XX/XX/XXXX payment was received XX/XX/XXXX XX/XX/XXXX payment was received XX/XX/XXXX XX/XX/XXXX payment was received XX/XX/XXXX XX/XX/XXXX payment was received XX/XX/XXXX XX/XX/XXXX payment was received XX/XX/XXXX I am highly upset with Summit Funding as the representative also offered to forward the VOM directly to a 3rd party lender which would have had horrible consequences considering the information they have provided is incorrect and does reflect my true payment history. 

I feel this is a direct violation of the Fair Credit Reporting Act and should not be tolerated. Summit Funding needs to be held accountable for their actions as this would have resulted in a huge defamation of character and would have prevented me from obtaining the loan that I am seeking from the other lender.

To date, I still have not received a corrected VOM from Summit Funding reflecting my actual payment history of 0X30 late within the most recent 12 months. 

Please see attached and advise at your earliest convenience. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account Number XXXXXXXX XXXX XXXXXXXX Account Number XXXX, XXXX Account Number XXXX, XXXX Account Number XXXX, XXXX XXXX Account Number 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-02 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account Number XXXXXXXX XXXX XXXX Account Number XXXX, XXXX Account Number XXXX, XXXX Account Number XXXX, XXXX XXXX Account Number 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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:
after reviewing my credit reports there were several unfamiliar accounts and infromation listed incorrectly. I was subject to theft and or my information being compromised a while back, so im not sure if these accounts are the results of this compromise. 

XXXX XXXX XXXX XXXXXXXXXXXX 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 2022-08-02 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: TX

Complaint narrative:
not in compliance with metro 2

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 2022-08-02 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: AL

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

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

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Employers : XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Collecons : XXXX XXXX XXXX  XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXX XXXX XXXX XXXX  Collecon : XXXX XXXX XXXX XXXX Equifax XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Collecons : XXXX XXXX XXXX XXXX Experian Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXX XXXX XXXX XXXX  Collecon : XXXX XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ 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 2022-08-02 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: NY

Complaint narrative:
First and foremost, Experian has been reporting and updating XXXX  which is a closed account on my credit report. I have written and requested several times to investigate and reinvestigate information on how and why this information is accurate. I have requested how they obtain this information, who they have corresponded with and what information was provided that the information listed is indeed correct. 
Secondly, This account has not had a status change or updated since XXXX of 2017. So, where is Experian getting this updated information from?

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 2022-08-02 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: OH

Complaint narrative:
There are 5 hard inquiries on my equifax credit file that are not mine can not be proved they are mine but they refuse to remove them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Upon reviewing my credit profile I discovered three credit inquiries that I do not recognize that are being reported by Experian. According to FCRA, I am able to receive a proper investigation of what I believe to be as fraudulent activity being reported on my credit report which can in return do damage to my credit resulting in thousands of dollars. Please investigate the following three inquiries below that are listed as such on my Experian credit report : XXXX  Inquiry Date : XX/XX/2020 XXXX  Inquiry Date : XX/XX/2020 XXXX XXXX Inquiry Date : XX/XX/2020 After a fair and thorough investigation, I would like all three of these inquiries deleted.

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 2022-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Applied for a NFL Extra Point XXXX card, got an adverse action letter, called they couldn't help. The letter says they can't give me a card because i have an existing 1, I don't. They refused to help XXXX XXXX, writing an executive complaint, want the world to see this, yall need to investigate their adverse action letter process. They violated this 1009 ( b ) ( 2 ) 1. Number of specific reasons. A creditor must disclose the principal reasons for denying an application or taking other adverse action. The regulation does not mandate that a specific number of reasons be disclosed, but disclosure of more than four reasons is not likely to be helpful to the applicant.

2. Source of specific reasons. The specific reasons disclosed under 1002.9 ( a ) ( 2 ) and ( b ) ( 2 ) must relate to and accurately describe the factors actually considered or scored by a creditor.

And said others were harmed. they need a fix and to be fined.

If you cant see the letter let me know.

Company response to consumer: Closed with non-monetary relief