vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-15 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorizeXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX Account Number : XXXX Please remove it from my credit 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 non-monetary relief
Consumer complaint received 2022-07-15 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: MD

Complaint narrative:
Dear sir, the credit bureau reported a false late payment on my credit report file account XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I request you to see Verifiable Proof ( the original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of the verifiable proof, you must remove the accounts listed below. Account Name Account Number XXXX XXXX XXXX I have not missed a payment nor have late payments so far on this account. I also want all non-account holding inquiries over 30 days old removed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CO

Complaint narrative:
Our VA mortgage loan went into a deferred status in early 2021 due to my wife and I being laid off as a result of the XXXX pandemic. In XX/XX/2021, my wife and I were both employed again and we started the process of attempting to modify our mortgage loan so we could continue making payments. Over the course of the past eight ( 8 ) months, we have had our application for a loan modification denied twice, and we are in the process of applying for a third time. I've kept notes following all of my calls with LoanCare and I have copies of all of the email correspondence that I've sent since beginning this process. 

During the current application for a loan modification, LoanCare has repeatedly " lost '' or claimed to never have received important underwriting documents. In spite of having correctly submitted the requested documents earlier, I have patiently forwarded the documents for a second time, and sometimes for a third time. On numerous occasions, I've been told by a LoanCare representative that our " application is complete '' and is just awaiting an underwriting decision. Each time, I then find out 2-3 weeks later that there's " something missing '' when in fact, the document was there the whole time. I've been told by various LoanCare representatives that our loan has been in underwriting for at least two ( 2 ) months and yet, I still have to keep finding out that LoanCare can't find a document that has previously been submitted. 

LoanCare 's inability to maintain documents that I have submitted has resulted in the underwriting process taking far longer than necessary. This would ordinarily be a simple inconvenience. However, LoanCare 's actions have resulted in our mortgage being in forbearance for many months longer than it should have been. LoanCare 's many mistakes and delays have resulted in our inability to access credit and we will inevitably end up losing a significant amount of money due to rising mortgage interest rates. 

At the end of the day, we just wanted to start making our mortgage payments again and I've had to fight tooth and nail to be able to do so since XX/XX/2021.

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 2022-07-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
When checking out for an order on XXXX I elected to use Affirm via XXXX XXXX ( a XXXX company ) for a purchase of roughly {$400.00}. When they first payment went to be processed my card was declined, which I was not notified about until 31 days past ( day 31 is today ). Upon my trying to rectify the situation by manually processing a payment on their website, XXXX  XXXX, and XXXX XXXX  all allowed me to input additional payment information but payments continued to fail. After calling their customer service and speaking with three separate people I was able to attempt to pay off the balance of the loan using my husband 's debit card ( they re-tried my credit card, which was not able to be validated by their system despite my account showing me available credit ). Their ( the company 's ) payment processing system was at first not able to validate my husband 's debit card to complete a payment but after some trouble-shooting from him the payment was, in fact, processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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:
In accordance with the Fair Credit Reporting Act, everything has to be 100 % on my credit report. The credit bureaus stated my account was properly investigated, but how is that possible when I contacted the court and their response is enclosed below. It is clear that they do not report to XXXX, TransUnion, XXXX, or any other credit bureaus. Therefore, the response verifying that the item was either an error or a lie. Either way, the reporting requirements do not comply with FCRA S 611 ( 15 U.S.C.SEC1681. That's grounds for removal and the also violated my rights under the 15 U.S.C. 1681 SEC 602 states that I have the right to privacy. 15 U.S.C 1681 Section 604, states that consumer reporting agencies can not furnish your account without my written permission. So I did not give written permission to these accounts to be furnished on my credit 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 non-monetary relief
Consumer complaint received 2022-07-15 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:
In accordance with the Fair Credit Reporting Act, everything has to be 100 % on my credit report. The credit bureaus stated my account was properly investigated, but how is that possible when I contacted the court and their response is enclosed below. It is clear that they do not report to XXXX, XXXX, Equifax, or any other credit bureaus. Therefore, the response verifying that the item was either an error or a lie. Either way, the reporting requirements do not comply with FCRA S 611 ( 15 U.S.C.SEC1681. That's grounds for removal and the also violated my rights under the 15 U.S.C. 1681 SEC 602 states that I have the right to privacy. 15 U.S.C 1681 Section 604, states that consumer reporting agencies can not furnish your account without my written permission. So I did not give written permission to these accounts to be furnished on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: OK

Complaint narrative:
XXXX XXXX violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose so XXXX XXXX has violated this law because this late payment is reporting on XXXX, TransUnion and XXXX. 

15 USC 1681a ( 4 ) says, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy so XXXX XXXX  has violated this law because this late payment reporting on XXXX, TransUnion and XXXX is a violation of my right to privacy because I didnt give them permission to report it publicly. 

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so XXXX XXXX  has violated this law because they furnished this EXPERIENCE to XXXX, TransUnion and XXXX and I didnt give them permission 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 non-monetary relief
Consumer complaint received 2022-07-15 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: EQUIFAX, INC.
State: OK

Complaint narrative:
XXXX XXXX violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose so XXXX XXXX has violated this law because this late payment is reporting on XXXX, XXXX and Equifax. 

15 USC 1681a ( 4 ) says, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy so XXXX XXXX  has violated this law because this late payment reporting on XXXX, XXXX and Equifax is a violation of my right to privacy because I didnt give them permission to report it publicly. 

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so XXXX XXXX has violated this law because they furnished this EXPERIENCE to XXXX, XXXX and Equifax and I didnt give them permission to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 


XXXX XXXX, XXXX {$0.00} / XX/XX/2021 Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence, I want this to be deleted from my credit 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 2022-07-15 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: PA

Complaint narrative:
I called TransUnion and asked them to look into my account about some hard inquiries that I know should not be on my credit report. I spoke with a man named XXXX who first helped me with this situation. I gave him all my information, and we proceeded to go over the inquiries I asked about. He told me that he understood my concerns, but i need to contact them and ask for a letter of deletion if i wanted them removed. I explained that they don't belong to me and i would like him to investigate these items for removal. We went back and forth and i asked for his supervisor. I spoke with XXXX # XXXX who told me that it is not Transunion 's job to remove these items. Again, I asked for an investigation and if he can't provide me proof of them belonging to me, they should be removed. I have an adult son of the same name and i wanted these removed because I'm sure they don't belong to me. He denied my request for an investigation and stated even if they are not mine, they won't remove unless I contact the one who reported them and get a letter of deletion before helping with anything. I ask that the CFPB look into the situation and please help remove the following unauthorized accounts form my credit report. Please either provide proof these inquiries have been made by me, or delete them for being inaccurate and unauthorized. 

XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2022-07-15 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX, XXXX Account # XXXX & 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 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 2022-07-15 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: MD

Complaint narrative:
Dear sir, the credit bureau reported a false late payment on my credit report file account XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I request you to see Verifiable Proof ( the original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of the verifiable proof, you must remove the accounts listed below. Account Name Account Number XXXX XXXX XXXX I have not missed a payment nor have late payments so far on this account. I also want all non-account holding inquiries over 30 days old removed. Thank you.

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 2022-07-15 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: IL

Complaint narrative:
Pursuant to 18 usc 8, i owe no debt. Experian violated my consumer rights to privacy pursuant to 15 usc 1681b 2, Experian also has no permission to report ANYTHING using my info pursuant to 15 usc 1681A. The accounts in question are XXXX  XXXX ( LATE PAYMENT ), XXXX XXXX CHILD SUPPORT ( LATE PAYMENT ), XXXX XXXX XXXX XXXX ( LATE PAYMENT ). Me begin the consumer my rights have been violated and I want those late payments to be removed 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 2022-07-15 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: FL

Complaint narrative:
On XX/XX/XXXX of 2021, I called TransUnion because I had some fraudulent inquiries and they told me I had to file a police report or an FTC 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 non-monetary relief
Consumer complaint received 2022-07-15 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: NV

Complaint narrative:
I have been informed of the Transunion security breach and I want to be involved in the settlement. I have endured numerous financial loss and other issues in regards to inaccuracy and fraudulent activity on various of my accounts all connected to Transunion.

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 2022-07-15 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX, XXXX Account # XXXX & 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 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 2022-07-15 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:
In accordance with the Fair Credit Reporting Act XXXX, XXXX Account # XXXX & 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 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 explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Refer to XXXX and XXXX. They still havent fixed it. They are charging too much for escrow. They need to reduce monthly payment and also refund overage. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: CNG FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I received a notification on XX/XX/2022 that a new account appeared on my XXXX  credit report. The account is an installment loan from Axcess Financial/ Check N Go. The installment is in the amount of {$2500.00}. The account was opened on XX/XX/2022. I believe it is my father who opened the account in my name, as he has stolen my identity before.

Company response to consumer: Closed with explanation