vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Dept Of EdXXXX has been disputed and could not verify that the debt belongs to me therefore XXXX deleted the account. However, Transunion and XXXX are still reporting this account on my consumer report. I have attached a screen shot of my current consumer report via MyFICO showing the deletion of the account. I request that Transunion and XXXX update my consumer report as well immediately.

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 2022-06-19 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Dept Of EdXXXX has been disputed and could not verify that the debt belongs to me therefore XXXX deleted the account. However, XXXX and Experian are still reporting this account on my consumer report. I have attached a screen shot of my current consumer report via MyFICO showing the deletion of the account. I request that XXXX and Experian update my consumer report as well immediately.

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 2022-06-19 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: NJ

Complaint narrative:
I noticed a few accounts on my report I do not recognize

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 2022-06-19 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: NJ

Complaint narrative:
I noticed a few accounts on my report I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OPORTUN FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX came across this agency in a strip mall and on the window printed it stated can receive Fast affordable personal loans any types of credit and to build a better credit future, credit scores from XXXX or no credit scores. I decided to submit application online due to office was closed until XX/XX/XXXX at XXXX. Online offer prequalify for loan and submitted application, it came back that I prequalified for the loan, asked for my personal income and other information and after submitted it stated qualified for up to {$12000.00} in bi weekly or monthly payment. I looked at fine print stated that secured vehicle loan and after review closed website, received two phone calls from foreign accents contact me and stated was approved for loan and advised needed to transfer to another department for vehicle information, asked csr rep why was this approved and now asking for a vehicle for colleteral and it states no credit score or XXXX scores with guaranteed approval. then asked what is the percentage of black/african american applicants approved for this loan and that this false advertisement is only marketed to a certain race group within the community. The csr then advised she would cancel my application and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19 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: NJ

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-19 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: NJ

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX  Account XXXX Bank # XXXXXXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-19 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: NJ

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX  # XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-19 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX 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 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 all are reporting on my credit report and i dont recall making any of hem and should be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19 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: TX

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. 

XX/XX/XXXX Account # XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XX/XX/XXXX XXXX XXXXDate of inquiry XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX Date of inquiry XXXX XXXX XXXX XXXX XXXX XX/XX/XX/XX/XXXX of inquiry : XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Experian XXXX XXXX NA Date of inquiry : XX/XX/XXXX Experian XX/XX/XXXXT XXXX XXXX  XXXX XXXX of inquiry : XX/XX/XXXX Experian XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Experian Date of inquiry : XX/XX/XXXX Experian XXXX OF XXXX Date of inquiry : XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXXDate of inquiry : XX/XX/XXXX Experian XXXX XXXX Date of inquiry : XX/XX/XXXX Experian XX/XX/XXXXDate of XXXX : XX/XX/XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXX/XX/XXXXr XX/XX/XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/MILESTODate of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XX/XX/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 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 non-monetary relief
Consumer complaint received 2022-06-19 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: AL

Complaint narrative:
I recently noticed several accounts and inquiries on my Experian credit report that does not belong to me. 

XXXX XXXX XXXX ... Account Number : XXXX XXXX XXXX XXXX Bank XXXX XXXX Account Number : XXXXXX/XX/XXXX Bank XXXX XXXX ... Account Number : XXXX XX/XX/XXXX Bank /XX/XX/XXXX XXXX Account XXXX : XXXX XXXX Bank / XXXX XXXX Account XXXX XXXX XXXX Dept of ED /XX/XX/XXXX ... Account Number : XXXX Dept of ED / XX/XX/XXXXE ... Account Number : XXXX Dept of ED / XX/XX/XXXX... Account Number : XXXX Dept of ED / XX/XX/XXXXE ... Account Number : XXXX Dept of ED / XX/XX/XXXX ... Account Number : XXXX Dept of ED / XX/XX/XXXX ... Account Number : XXXX Dept of ED / XX/XX/XXXX.. Account Number : XXXX Dept of ED / XX/XX/XXXX. Account Number : XXXX Dept of ED / XX/XX/XXXX ... Account Number : XXXX Dept of ED / XX/XX/XXXX ... Account Number : XXXX Dept of ED / XX/XX/XXXXE ... Account Number : XXXX Dept of ED / XX/XX/XXXX ... Account Number : XXXX Dept of ED /XX/XX/XXXX ... Account Number : XXXX I noticed unauthorized inquiries on my credit report. Someone else applied using my name. According to the FCRA ( Fair Credit Reporting Act ) these unverified and unauthorized inquiries must be deleted : XXXX XX/XX/XXXX XXXX XXXX Unauthorized Inquiry XX/XX/2021 XX/XX/XXXX Unauthorized Inquiry 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 2022-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: TX

Complaint narrative:
Problem 1 : We had just gotten the escrow tax line corrected with Home Point ( HPF ) earlier this year in XXXX after 3 emails and multiple phone calls to HPF and with the transfer of servicing by HPF to XXXX XXXX in XXXX, the XXXX isd tax line has been set up twice again. HPF has one line set up correctly and a second duplicate line that needs to be deleted. I called 2 weeks ago and requested correction but it is still there. This is further pain since HPF double paid my school taxes XX/XX/XXXX and it took them 3 months to refund the money back to my escrow account and delete the duplicate tax line and now here we go again with the same error showing up after the transfer! I have emailed HPF and called and spoken with both HPF and XXXX XXXX team members trying to resolve this post transfer error. 

Problem 2 : I switched insurance from XX/XX/XXXX to XXXX XX/XX/XXXX and I provided HPF with a fully paid 12 month policy from XXXX as did XXXX. I had paid XXXX for the full amount for a 12 month policy from my checking account when i bought the policy in XX/XX/XXXX effective XX/XX/XXXX. Now HPF has paid XXXX another full 12 months premium on XX/XX/XXXX from my escrow account that was not needed/due. 

My 3 requests : 1 ) Put the $ back into my escrow account HPF paid out to XXXX that was not due. 

2 ) remove the XXXX isd duplicate tax line from my escrow account. 

3 ) run a new escrow analysis after these 2 corrections above have been made and then lower my monthly mortgage payment before XX/XX/XXXX payment is due. 

My mortgage payment should be almost {$150.00} per month lower than HPF is charging me due to over escrow on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
On XXXX paid a medical bill to XXXXXXXX XXXX and on XXXX XXXX received a bill for that debt from paramount recovery. Called them that Monday and let them know it was paid in full. They had email receipt to XXXX It took me a while to get receipt from XXXXXXXX XXXX. Got the receipt from XXXX sent it over to the email provided to paramount on Thursday XX/XX/2022. On XX/XX/XXXX I check my credit and it is listed as a collection again. I have the proof it is paid in full. Thank you for your attention in this matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19 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: GA

Complaint narrative:
XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 

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

According to : 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 According to : 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
Consumer complaint received 2022-06-19 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: FL

Complaint narrative:
XXXX XXXX, California issued a mandatory stay at home orders for COVID 19 in XX/XX/XXXX until XX/XX/XXXX- and my employer went out of business because of it - in turn - I was late on a few credit card payments with my XXXX  XXXX credit card. I am asking these late pays be removed due to this pandemic and its damaging my credit.

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 2022-06-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX, California issued a mandatory stay at home orders for COVID 19 in XX/XX/XXXX until XX/XX/XXXX- and my employer went out of business because of it - in turn - I was late on a few credit card payments with my XXXX XXXX credit card. I am asking these late pays be removed due to this pandemic and its damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19 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: FL

Complaint narrative:
XXXX XXXX, California issued a mandatory stay at home orders for COVID 19 in XX/XX/XXXX until XX/XX/XXXX- and my employer went out of business because of it - in turn - I was late on a few credit card payments with my XXXX  XXXX credit card. I am asking these late pays be removed due to this pandemic and its damaging my credit.

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 2022-06-19 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: AL

Complaint narrative:
I noticed several accounts on my Trans Union credit report that does not belong to me XXXX XXXX XXXX XXXX.. XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX ... XXXX XXXX of 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 ... 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 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 XXXX XXXX... XXXX I noticed unauthorized inquiries on my credit report. Someone else applied using my name. According to the FCRA ( Fair Credit Reporting Act ) these unverified and unauthorized inquiries must be deleted : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Toy XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/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 2022-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I received a letter from chase bank that they are closing all my accounts with them based on " my connection to a publicly reported financial investigation '' They say they will close my XXXX  accounts with them on XX/XX/XXXX. 
on XX/XX/XXXX i was arrested and charged with a XXXX XXXX XXXX XXXX XXXX. This False charge was completely dismissed on XX/XX/XXXX. 

This also triggered a XXXX XXXX XXXX XXXX XXXX  on my business which resulted in a " minor administrative error '' and was closed out when the Federal Investigator saw that our records were perfect. My case number was XXXX the investigator was XXXX XXXX. Her phone number is XXXX. 

Since i can not speak to anyone at chase I want to give you all the facts that I can. If you need anymore backup please let me know. 

It is funny how dismissed accusations are never added to public records or the media. Both charges against me were dropped and now I'm getting dropped by my bank that I have all my bill pay with and my sons account tied to it for so many years. 

I have been with chase bank for at least 30 years and when I called to speak with someone about this they said the decision was made and there is no one to talk to and it can not be reversed. 

I really wish public records printed the results of investigations. 

please see all attached documents

Company response to consumer: Closed with explanation