vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-22 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: DE

Complaint narrative:
For more than a year I have been administratively demanding TRANSUNION remove XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX SERVICES from the consumer file. Both of these alleged accounts are a result of identity theft and TRANSUNION is committing identity theft for reporting them without my permission. They have been causing me grave harm and has injured me tremendously. I applied for a mortgage today and was denied due to there unfair and inaccurate reporting. They have refused to send me documentary evidence that these accounts belong to the principal XXXX XXXX. They have not conducted a fair and equitable investigation and spoken to any natural person concerning these accounts. They continue to send computer generated mail stating the accounts have been verified by the creditor which is impossible. I have lost all faith in the consumer bureau and the credit reporting agency as well as the banking system. My health has suffered and I continue to be harmed every day these fraudulent accounts remain on my file and suppress my scores intentionally. I give TRANSUNION SEVEN BUSINESS DAYS TO CORRECT THIS ERROR before further legal action is taken. This is one of numerous complaints I have filed with the CFPB without any fair or equitable resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-22 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: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
In accordance with the Fair Credit Report Act XXXX, Account : XXXX, Receivables Performance, 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. 
I do not owe this debt collector.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 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: FL

Complaint narrative:
In accordance with the Fair Credit Report Act XXXX, Account : XXXX, Receivables Performance, 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. 
I do not owe this debt collector.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Round Up Ventures, L.P.
State: WA

Complaint narrative:
I made a payment on XXXX  with XXXX XXXX XXXX, who services a loan I received through Lendly with XXXX XXXX Bank as the lender. I contacted both Lendly and XXXX XXXX Bank to cancel this payment which is scheduled for XX/XX/ by calling the number as directed at the time I made the payment. The prompt indicated I had until XXXX XXXX XXXX XXXX today, XX/XX/, to cancel this payment. I made calls at XXXX XXXX  and XXXX XXXX XXXXXXXX XXXX, only to be told that there is no record of the payment, and that " it takes a few days to show up in their system ''. 

Having done everything I could, I was still unable to cancel this payment using the directions provided by XXXX XXXX XXXX and Lendly. This is ethically dubious behavior on the part of Lendly, XXXX XXXX XXXX and XXXX XXXX XXXX. If an individual is able to schedule a payment online, they should be able to cancel said payment. If an individual is told to call into a specific number to cancel a payment, they should be able to do so, not be told that the payment has not shown up in their system and as a result nothing can be done. Now the payment I wanted to cancel, within the parameters set forth by Lendly ; and XXXX XXXX XXXX and XXXX XXXX Bank as agents of Lendly is unable to be cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 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: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
In accordance with the Fair Credit Report Act XXXX, XXXX, Paramount Recovery SYS , 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. 
I do not owe this debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 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: FL

Complaint narrative:
In accordance with the Fair Credit Report Act XXXX XXXX XXXX XXXX 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. 
I do not owe this debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 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: FL

Complaint narrative:
In accordance with the Fair Credit Report Act XXXX, Account : XXXX, Creditor : XXXX XXXX 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. 

I don't owe this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
I was behind on Payments because Shellpoint  / New Rezmy mortgage company returned 2 payments that I sent in for XX/XX/XXXX, and XXXX did not realize this at the time because I was not residing at the property, and never received notice until I found out from my bank months later that the payments were in fact returned XX/XX/XXXX I began working with Shellpoint to bring my account current, I agreed to a loan modification, so I sent in payments for XXXX, XXXX and XX/XX/XXXX, a 3rd trial payment was due in XX/XX/XXXX, however I was working with my point of contact with shellpoint, was given the option to go on to a deferral program instead, so I opted for that option. I was told to wait for a letter in the mail with their decision. the letter never came. Weeks later I am told from my Shellpoint Contact that I was denied for the deferral program, so I asked her, now what do I do? she responded again, wait for a letter in the mail, I will then go over your options for repayment at that time. Meanwhile as I am working diligently with Shellpoint to figure out what steps needed to be taken to bring my account current, and what I needed to pay, from mid XX/XX/XXXX Through XXXX, XXXX. During that time, Shellpoint hires an Attorney on XX/XX/XXXX to file a foreclosure against my property, They do not inform me of this foreclosure, no emails, no mails, nor did the point of contact that I was working with at Shellpoint explain to me, or tell me that I was in Foreclosure. Shellpoint charged me over {$2000.00} in legal fees and other fees, now I have a foreclosure scheduled for XX/XX/XXXX. I need help. At no time did I ever tell Shellpoint that I would not pay them, we were working on the resolution while they filed the foreclosure ... .Its devastating to me, and all I get from Shellpoint is lies and deceit. What can I do, Please help me. I'm to make my payment on XX/XX/XXXX. but after reading all of the negative reviews, I do not trust them to stop the foreclosure after I make the payment and all of the wrongful additional fees that they are charging me. This all started because they returned 2 of my payments without notifying me back in XX/XX/XXXX... Horrible, deceitful company, stay away from this company, read the endless negative reviews. I don't understand how they are still in business...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 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: Dynamic Recovery Solutions, LLC
State: FL

Complaint narrative:
In accordance with the Fair Credit Report Act XXXX, Account : XXXX, Creditor : Dynamic Recovery Solution, 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. 

I don't owe this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 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: FL

Complaint narrative:
In accordance with the Fair Credit Report Act XXXX, Account : XXXX, Creditor : XXXX XXXX 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. 
I don't owe this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-22 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:
To Whom it may concern, I disputed the validity of an account that was being incorrectly reported on my credit profile specifically from Experian. It was no surprise that the other 2 credit bureaus, XXXX and XXXX, deleted the account due to their inability to properly verify it. 

If the creditor reports all the same information to all 3 major bureaus and the other bureaus were unable to substantiate the validity of the details on my credit report, then Experian should be able to provide me with the information that was used to verify the account. The information obviously doesnt exist, and Im sure Experian used e-Oscar to verify the account and update the info, but that is what the bureaus got in trouble for in the cases for XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX XXXX 

Also, please see attached the proof that the tradeline accounts from XXXX. XXXX, XXXX have been disputed with Experian and they were never deleted or removed. 

Please help me get Experian to rightfully remove/delete these accounts from my credit profile. Thank you! 

Best, XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX ( Medical Payment Data ) Account Number : XXXX Amount : {$620.00} Account Name : XXXXXXXX XXXX XXXX ( Medical Payment Data ) Account Number : XXXX Amount : {$440.00}

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 2023-04-22 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: DE

Complaint narrative:
For more than a year I have been administratively demanding TRANSUNION remove XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX SERVICES from the consumer file. Both of these alleged accounts are a result of identity theft and TRANSUNION is committing identity theft for reporting them without my permission. They have been causing me grave harm and has injured me tremendously. I applied for a mortgage today and was denied due to there unfair and inaccurate reporting. They have refused to send me documentary evidence that these accounts belong to the principal XXXX XXXX. They have not conducted a fair and equitable investigation and spoken to any natural person concerning these accounts. They continue to send computer generated mail stating the accounts have been verified by the creditor which is impossible. I have lost all faith in the consumer bureau and the credit reporting agency as well as the banking system. My health has suffered and I continue to be harmed every day these fraudulent accounts remain on my file and suppress my scores intentionally. I give TRANSUNION SEVEN BUSINESS DAYS TO CORRECT THIS ERROR before further legal action is taken. This is one of numerous complaints I have filed with the CFPB without any fair or equitable resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-22 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Report Act XXXX, Account : XXXX, Creditor : Credit Collection Services, 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.

I don't owe this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 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: FL

Complaint narrative:
In accordance with the Fair Credit Report Act XXXX Account : XXXX, Creditor : XXXX XXXX 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. 
I don't owe this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: CA

Complaint narrative:
On XX/XX/2023 I went and financed a vehicle with XXXX XXXX XXXX XXXXhey used illegal tactics within the loan process.

NO FULL SUM OF ALL CHARGES FULL INSURANCE NOT INCLUDED WAS NOT CASH IN HAND USED A THIRD PARTY TO TAKE VEHICLE WITH OUT NOTICE 15 USC 1692f - unfair practices Someone else signed my name or gave my private information to XXXX XXXX which took my vehicle for my home 15 USC 6802 No paperwork was sent to me or was I informed my personal private information would be given to XXXXXXXX XXXX I had No contract or any connection with this company, I only did business with XXXX XXXX XXXX & West Lake Financial Also used my information for XXXX XXXX XXXX and even after payments where made still sent letter say that I didnt make payment when I had and was auto payed out of my bank account 15 USC 1692

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On XX/XX/ I was called by what turned out to be a scammer. My caller ID displayed Chase and their local branch telephone number. The called stated he was the Chase Fraud department and asked if I made a transaction which I did not. He said my debit card was being canceled and I would receive a new one in 7 to 10 days. I asked what I would use in the meantime ( which was foolish ) and he said he could enable an XXXXXXXX XXXX account, just type in 6 digits to a text which I did. The call then dropped off and I became suspicious. I checked my online account with Chase and saw several smaller transactions totaling XXXX dollars deducted from my account. I contacted Chase Fraud reported the loss and they said they would investigate. Several days later I was informed they were denying my claim because I supplied the scammer with information. They said I could reopen the claim if I could supply documentation proving my whereabouts at the time of the fraudulent transactions. I was at home talking with the scammer at the time! The transactions occurred at Chase 's local ATM over 15 minutes. Someone sat at the ATM and withdrew the funds during banking hours under I assume a security camera and with tellers in view of the ATM. Chase will not investigate that. I filed a police report and they said they hope I will be refunded, which I was not. My cell provider can't identify my whereabouts and I have no further options. I have closed my accounts at Chase and after 15 years I will no longer do business with them. I am mortified I fell for the scam but feel Chase does nothing to protect their digital banking. They have a disclaimer stating they will never call clients and that is the reason they are denying my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 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: FL

Complaint narrative:
Hi, I am a victim of the XXXX breach and starting since XXXX and XX/XX/XXXX, I kept having " hacker ( s ), breacher ( s ) '' buying things using my XXXX and XXXX account. I have canceled my banks debit card well over 10 times in 3 months there were times were the hackers were making purchases so often I ended up having 2 debt cards at once. We fix that, they had also created a XXXX XXXX XXXX XXXX under my name ( luckly I caught it within a week ) So XXXX and XXXX fix that and close the card. Hackers were able to buy some things since XXXX adds the card to your account digitally as you wait for the hard card in your mail. I keept the card as a mento to be safe online while. I thought it was over. I ran some virus cleaners, ransom ware etc. 

But In XX/XX/XXXX my bank account was charged by XXXX i asked them why they stated i took out a XXXX loan which is now XXXX. I wrote to the the XXXX breach admin and still waiting a reply and instantly cleaned out all my hard drives and re-installed windows. XXXX XXXX didn't do its job or the hackers had remote desktop setup on my pc. Not anymore. 

As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the item XXXX be removed Frozen until they acquire the correct information/people to they gave a loan to.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. My credit score has gone down XXXX  points in 2 months. I've ask XXXX to let me view the loan/credit application I supposedly sent them,,, they never have gaved it to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not worked in 2 years and still can't so I would not qualified for their loan, i wouldn't have had any paystubs, checks, deposits or job to write in the application to XXXX Yet Experian won't remove the false information from my 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 2023-04-22 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: OH

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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : Fraudulent Account Name : XXXX XXXX  Account Number : XXXX Reason : Fraudulent Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than 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.

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