vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-31 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 2022-05-31 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my tXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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: MD

Complaint narrative:
Add this to my recent complaints. Because I know my life and I have had several life changes my goal was to refinance my house purchase my retirement car and live life happily ever after. 

As a direct result of the Score of XXXX that Transunion provided to XXXX XXXX the rep advised me the reason is because of that score. My reate was higher and the loan amount was limited as a direct result! 

And the rep said because my credit has been pulled so many times recently. Back to what I said who are they to limit me from getting the best rates, consolidating, etc when I WANT TO! 

Delete all inquiries from my report. It is no ones elses because who I am inquiring of credit from. When I get it then they can see it until then that information belongs squarely with the consumer.

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 2022-05-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Comenity XXXX Credit Card. 
I never received my store credit card, account number, and information in the mail after applying and using it in the store. I called the number from the website to inquire on how to pay the balance and set up my online account, but was not able to reach a representative multiple times. I tried to pay over the phone, but the automated phone service required an account number. I finally reached a representative who processed my payment and assured me that it went through. I went out of the country for a family emergency for the next month, and was not notified that the payment had not processed and was considered late. I paid the balance immediately upon my return, but they would not remove the 30 day late mark on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX  XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, Account # XXXX, Account # XXXX, DPED XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX Account # - XXXX, XXXX Account # XXXX, XXXX  XXXX XXXX Account # XXXX, XXXX  XXXX  XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : 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 2022-05-31 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX  XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, Account # XXXX, Account # XXXX, DPED XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX Account # - XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX XXXX  Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : 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 2022-05-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

I have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. Graves ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt nor therefore any such debt in fact exists.

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 2022-05-31 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act DPED XXXX Account # XXXX, Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, Account # XXXX, XXXX Account # XXXX, Account # XXXX, Account # XXXX, XXXX XXXX Account # XXXX, Account # XXXX, Account # 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 2022-05-31 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: GA

Complaint narrative:
n 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 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 These are the accounts that need to be removed CREDITOR : XXXX XXXX XXXX ACCOUNT # XXXX, CREDITOR : XXXX  XXXX  ACCOUNT # XXXX, CREDITOR : XXXX/XXXX  ACCOUNT # XXXX, CREDITOR : XXXX  XXXX  XXXX  ACCOUNT # XXXX, CREDITOR : XXXX/XXXX ACCOUNT # XXXX, CREDITOR : XXXX XXXX. ACCOUNT # XXXX, CREDITOR : XXXX  XXXX XXXX XXXX ACCOUNT # XXXX, CREDITOR : XXXX/XXXX XXXX XXXX ACCOUNT # XXXX, CREDITOR : XXXX  XXXX ACCOUNT # XXXX, CREDITOR : XXXX  XXXX , ACCOUNT # XXXX, CREDITOR : XXXX  XXXX ACCOUNT # XXXX, CREDITOR : XXXX/XXXX ACCOUNT # : XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31 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: GA

Complaint narrative:
n 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 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 These are the accounts that need to be removed CREDITOR : XXXX XXXX XXXX ACCOUNT # XXXX, CREDITOR : XXXX XXXX ACCOUNT # XXXX, CREDITOR : XXXX  ACCOUNT # XXXX, CREDITOR : XXXX XXXX XXXX ACCOUNT # XXXX, CREDITOR : XXXX ACCOUNT # XXXX, CREDITOR : XXXX XXXX. ACCOUNT # XXXX, CREDITOR : XXXX XXXX XXXX XXXX  ACCOUNT # XXXX, CREDITOR : XXXX XXXX XXXX ACCOUNT # XXXX, CREDITOR : XXXX XXXX ACCOUNT # XXXX, CREDITOR : XXXX XXXXXXXX XXXX ACCOUNT # XXXX, CREDITOR : XXXX XXXX ACCOUNT # XXXX, CREDITOR : XXXX ACCOUNT # : XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc.
State: TX

Complaint narrative:
This complaint is in reference to Conn Appliance , Inc. On XX/XX/XXXX I mailed a certified letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX which is the address listed on my credit report. This letter was returned to me unopened, as was the previous two that I sent over a year and a half time span. This time I held on to the returned letter. A copy of this letter is attached. I have also uploaded the contents of the letter with the information in which I was requesting from Conn Appliance , Inc. Here 's a little back story. On XX/XX/XXXX I was served by XXXX XXXX XXXX, XXXX. which is a debt collecting company filed with the plaintiff being Conn Appliance , Inc. I retained an attorney for my case number XXXX. Conn Appliance , Inc retained XXXX XXXX. This debt claim was canceled on XX/XX/XXXX. The balance due as of XX/XX/XXXX was {$0.00}. I have been trying to contact Conn Appliance , Inc so that I could get this removed from my credit report with all the credit reporting agencies. On XX/XX/XXXX XXXX XXXX reported to XXXX that account as on-time ( copies attached ). On XX/XX/XXXX Conn Appliance reported to XXXX that account not paid since XXXX ( copies attached ). I did also noticed that the address listed on my credit report is the exact address that I have attempted to mail three previous letters to, and they all were returned unopened. This matter has caused my credit to plummet tremendously. This matter is now causing me a great deal of stress and uncertainty. I have to move in less than 30 days, because the home owner is moving back into the home due to returning to area on XXXX XXXX. My current credit score will not qualify me for a rental or to purchase a home which is going to leave me and my family homeless. I really need this issue addressed and rectified as soon as possible. Thank you in advance for your help and know that it is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AmeriCollect
State: MO

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit XXXX XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 

I have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. Graves ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt nor therefore any such debt in fact exists.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit XXXX XXXX XXXX XXXX XXXX of said account. Furthermore, in order for t

his company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. I have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. Graves ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt nor therefore any such debt in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Prince Parker & Associates
State: NC

Complaint narrative:
Prince-Parker & Associates , Inc. , furnished an alleged & illegal debt to my XXXX, XXXX, XXXX XXXX XXXXonsumer report which is a violation of 15 USC 1692c ( b ), & 15 USC 1692b ( 2 ), since I, the consumer, never provided written instructions furnish the inaccurate information to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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: FL

Complaint narrative:
I reviewed my credit report and noticed the following issues. XXXX XXXX - Account number : XXXX This account has many errors/inaccuracies. High credit is not accurate - account is being reported inconsistently across all three bureaus. Date opened is not accurate - account is being reported inconsistently across all three bureaus. Date last active is not accurate - account is being reported inconsistently across all three bureaus. Payment status is not accurate - account is being reported inconsistently across all three bureaus. Payment history is not accurate - account is being reported inconsistently across all three bureaus. I sent a letter on XX/XX/2022 and requested that they removed this account from my credit report due to FCRA violation and they failed to do so.

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 2022-05-31 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
Hi, I hope all is well. My name is XXXX XXXX and I am the personal representative for my grandmothers property located in XXXX, MD. I have been working with a real estate agent to get my grand mothers house sold. We have been growing through the short sale process for a year. The first lender was XXXX. We got the appraisal done and it came in at {$90000.00}. The mortgage was then sold and moved to PHH. PHH would not use the appraisal that was done by XXXX and stated that they had to have there own completed. Another appraisal was ordered and completed in XXXX of XXXX. That appraisal was submitted and came in at {$70000.00}. All requested paperwork was submitted and we were awaiting next steps. While we were waiting, the short sale specialist stated that another appraisal had to be completed due to the appraisal expiring. Another appraisal was completed and that appraisal came in at {$100000.00}. Again, all paperwork was completed and submitted. Again we were waiting for the next step from the bank as all paperwork had been completed. The short sale specialist, XXXX XXXX, stated that the short sale would not be approved due to a sale date of XX/XX/XXXX. My real estate agent check multiple sites and even went to the court house. There was no sale date set. The agent also called PHH on XX/XX/XXXX and the rep stated that no sale date had been set and that there was no sale date on the property. The agent then reached back out to XXXX XXXX XXXX, the assigned short sale specialist asking if we were moving forward with the short sale and he stated no that a sale date of XX/XX/XXXX had been set. Another search had been done and no sale date of XX/XX/XXXX had been found for the property via the court house or online. At this juncture, it seems as though PHH is trying to push the property into foreclosure, more specifically XXXX XXXX is. At no point has he tried to help. It takes him weeks to respond to emails, if he responds at all and that is the only point of contact with him is email. Please help me save my grandmothers home from foreclosure

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BILL.COM, LLC
State: PA

Complaint narrative:
I started an account with Bill.com XX/XX/ 2022 because you can receive and send instant payments in all types as of XX/XX//2022 Bill.com is hold {$9800.00} of my deposited funds and will not give me reason. Also there wasnt nothing instant because here we are 5 days later with no payment..and I am expecting other deposits totaling over {$20000.00} usd. They should not be able to hold without explanation

Company response to consumer: Closed with explanation