vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-10 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: MO

Complaint narrative:
There are 3 accounts that are reporting on my consumer report that are in violation and this is a Violation of my Consumer Rights as a Federally Protected Consumer. Because of these violations, I demand that all 3 of these accounts be removed/deleted from my consumer reports. I Called XXXX, Transunion, and XXXX  XX/XX/2021 and all 3 bureaus said that there is no such law and they dont have to remove anything. I explained My Consumer Rights and the laws they are in violation of but I am not being taken seriously.

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 2021-06-10 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: MO

Complaint narrative:
There are 3 accounts that are reporting on my consumer report that are in violation and this is a Violation of my Consumer Rights as a Federally Protected Consumer. Because of these violations, I demand that all 3 of these accounts be removed/deleted from my consumer reports. I Called XXXX, XXXX, and Equifax XX/XX/2021 and all 3 bureaus said that there is no such law and they dont have to remove anything. I explained My Consumer Rights and the laws they are in violation of but I am not being taken seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Multiple hard inquiries initiate it on my credit report without consent this is a federal violation of the creditors that Ive tried to issue and access my credit report without authorization and or consent given initiated several written letters Recieved Federal Certified mail to all three major credit bureaus Transunion XXXX and XXXX  to remove these credit hard inquiries off of my credit report 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 2021-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Multiple hard inquiries initiate it on my credit report without consent this is a federal violation of the creditors that Ive tried to issue and access my credit report without authorization and or consent given initiated several written letters Recieved Federal Certified mail to all three major credit bureaus XXXX  Equifax and XXXX  to remove these credit hard inquiries off of my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XXXX-21 I sent a letter regarding unauthorized inquiries that Im not aware of on my credit report. Over 30 days later I have not received any response yet. I feel like I am being ignored at this point. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items. Its been over 30 days .I demand these unauthorized inquiries to be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: TN

Complaint narrative:
XXXX XXXX XXXX reported 120 days late to the credit bureaus in XX/XX/2019. I provided my new address and was told I would receive the final bill. I never received the final bill from XXXX XXXX XXXX. I've sent certified letters to XXXX XXXX XXXX disputing the negative item they state it is correct. I moved from the billing address on XX/XX/2019, the collection showed 120 days late on my credit report. I have disputed with XXXX & XXXX, XXXX, Transunion, and XXXX. XXXX  removed the negative item based on the documentation I sent them. XXXX  and Transunion XXXX XXXX XXXX XXXX keep confirming the collection. They have since updated the balance to XXXX  from {$280.00}. I paid the bill as soon as I saw it XX/XX/2019 on my credit report. All of my past history with XXXX XXXX XXXX is positive, they are not showing past history. 

XXXX  is showing the negative item on the report twice which is further impacting my credit score.

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 2021-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD

Complaint narrative:
i filed this complaint in XXXX or XXXX of this year XXXX XXXX ) and previously and transunion still has not fixed the issue. They are reporting incorrect addresses for me and attaching info on my credit report related to the addresses. I have reported though this website and to transunion on several occastions now that i do not live on XXXX XXXX and have not since XX/XX/XXXX. I would like the information to be reflected correctly. I have provided proof to them and through consumer financial protection bureau that proves that I was not at that address at the timeframes they have listed on my credit report. They have instead chosen to ignore information from the electric company verifying my actual address at the time they claimed i was on XXXXXXXX XXXX they have decided to come up with illegitimate reasons to prevent updating he info to the correct information. They are a part of the fraud and crime that exist in the country. i would like my information corrected to reflect the correct information. my mail is currently re-routed and not delivered to me because between transunion and the us postal service, they crime and theft ring just keeps growing.

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 2021-06-10 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: NJ

Complaint narrative:
My complaint is about getting information from Equifax. I tried to start a dispute on the Equifax website 5 minutes ago. Equifax claims I have 7 accounts open on my account. When I tried to dispute this on their complaint page- the open accounts were not in there account. This is fraud and false information. These Credit Reporting agencies should be fined or put out of business. I have just been denied housing because of a false credit report, and denied funding for university. I can show you the rejection emails! I want a judgement of XXXX XXXX dollars from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I SUBMITTED MY COMPLIANT THROUGH THIS PORTAL ABOUT A MONTH AGO BUT RECEIVED AN EMAIL SAYING IT DIDN'T RECOGNIZE ME FOR SOME REASON. I'M JUST TRYING TO GET MY DISPUTE PROCESSED REGARDING THESE ACCOUNTS THAT ARE AFFECTING ME FROM BEING ABLE TO PURCHASE A NEW HOME.

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 2021-06-10 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: I.C. System, Inc.
State: TN

Complaint narrative:
I recently received a copy of my credit report and found an account that is not mine. The account is with collection agency I C System with a balance of {$260.00} and an original creditor of XXXX XXXX. I have never done business with either of these companies and this account is not mine. My name is XXXX XXXX XXXX, and my father 's name is XXXX XXXX XXXX. I believe this may be his account and if not this account is fraudulent.

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 2021-06-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC
State: WI

Complaint narrative:
I did a student loan refinance in XX/XX/XXXX. The terms were lower interest only payments to begin with a variable interest rate. I was charged an amount to pay. In XXXX of XXXX, I started paying extra and the servicer was applying the extra to the principal to reduce the balance I was being charged interest on. I was making progress. The new servicer, Universal Accounting Services took over in XX/XX/XXXX. The extra I paid was not consistently applied to the principal. When I called today, they said they choose to apply the extra wherever, which isn't the terms I agreed to with the lender. The rude woman named XXXX XXXX (? ) refused to listen, wouldn't look at the account payments, and refused to get me a supervisor. I called back and a nice person XXXX XXXX, explained that because of their accounting practices, if interest accrues, its paid first and whatever is left would then be applied to reduce the principal. XXXX told me they recently updated they system so that any time a change occurs, a payment is made, or a statement is generated the interest is added to the account. This means that I'll never have the full amount of money I'm paying extra deducted from the principal because they are now adding the interest onto my account multiple times during the month. The terms of my loan were such that the interest accrued and I paid that interest. It's not a fair practice to accrue the interest more frequently so when I pay extra it pays that instead. I'm trying to pay my loan down and these unfair practices are causing me not to make progress with my finances. The new servicer has over all been uncooperative. I've expressed clearly in my calls that I want to pay things down and their practices prevent that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: TX

Complaint narrative:
HELLO IVE BEEN TRYING TO REACH OUT TO THE THREE CREDIT BUREAUS. ABOUT THESE INACCURATE NEGATIVE ACCIOUNTS THAT I BELIEVE ARE NOT MINE.I SENT A LETTER REQUESTNG THAT I WANTED TO SEE VARIABLE PROOF OF THE FOLLOWING ACOOUNT THAT I HAVE NOT RECEIVED. I HAVE DISPUTED 2 TIMES. ALL THREE BUREAUS ARE IN VIOLATION ON 15 USC 1681B. XXXX XXXX XXXX {$27000.00} I HAVE BEEN DISPUTING SINCE XX/XX/2021 ACCOUNT NUMBER- 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 2021-06-10 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: TX

Complaint narrative:
HELLO IVE BEEN TRYING TO REACH OUT TO THE THREE CREDIT BUREAUS. ABOUT THESE INACCURATE NEGATIVE ACCIOUNTS THAT I BELIEVE ARE NOT MINE.I SENT A LETTER REQUESTNG THAT I WANTED TO SEE VARIABLE PROOF OF THE FOLLOWING ACOOUNT THAT I HAVE NOT RECEIVED. I HAVE DISPUTED 2 TIMES. ALL THREE BUREAUS ARE IN VIOLATION ON 15 USC 1681B. XXXX XXXX XXXX {$27000.00} I HAVE BEEN DISPUTING SINCE XX/XX/2021 ACCOUNT NUMBER- XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
$ XXXX Email : XXXX Someone withdrawn XXXX dollars from my cash card unauthorized it was reported to the place that it happened which also got the police involved who advised me to dispute the charges and this company refused to refund me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: LA

Complaint narrative:
XX/XX/2021 I received my consumer report from Transunion stating the account XXXX was verified. I sent the credit reporting agency an affidavit letting them know the account does not benefit me the consumer and that the account should be deleted. An affidavit unrebutted stands as truth. 15 usc 1681a ( 2 ) ( A ) ( i ) mentions exclusions on a consumer report. Since they stated they investigated it and it is accurate I'm asking who did they interview pursuant 15 usc 1681a ( e )? The reporting agency is supposed to interview my family and associates but they have failed to do so. They did not properly verify anything instead they continue to report and break the law by saying the account has been verified when it has not. I've also let transunion know that no factual information can be on a consumer report pursuant 15 usc1681c. Transunion continues to report an account that does not benefit me. I've never given them written consent in the first place pursuant 15 usc 1681b ( 2 ). I'm instructing Transunion to remove the account XXXX 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 2021-06-10 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The credit bureau TransUnion is not complying with their own policies in a timely manner. I submitted a dispute via mail 30 days ago on XX/XX/2021 to remove negative and inaccurate items on my credit report and i still have not received a response.

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 2021-06-10 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: VA

Complaint narrative:
Guys I am in panic because I found fake accounts in my credit report. That's crazy and I am very stressed out because these account are not mine. I filed a report as I become a victim of identity theft and I can not understand what to do in this case however I heard that I can ask you to remove these accounts from my credit report. These items are just killing my report and I can not move on in my life. Its very sad situation. Please apply investigation and figure put who did it to me.

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 2021-06-10 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: VA

Complaint narrative:
Guys I am in panic because I found fake accounts in my credit report. That's crazy and I am very stressed out because these account are not mine. I filed a report as I become a victim of identity theft and I can not understand what to do in this case however I heard that I can ask you to remove these accounts from my credit report. These items are just killing my report and I can not move on in my life. Its very sad situation. Please apply investigation and figure put who did it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I have debit on my credit credit report from IC Systems for XXXX I never had an account with them

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 2021-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP
State: CA

Complaint narrative:
Discovered US BANK did a individual inquiry ( without my permission ) on XX/XX/2020. Of course because of this, my credit score was lowered by a lot of points, When I'm trying to get my credit score higher. 

I contacted the phone number, XXXX and their address is : XXXX XXXX XXXX XXXX, XXXX, MN XXXX. 

Spoke with a bank agent and she had no clue why this happened and couldn't give me a straight answer. I'm really upset here and it appears this is FRAUD. Which needs to be addressed immediately. 

Need to have this removed from all three credit reporting agencies and I want my points back that was stolen, because of this fraudulent injury!! 

The main number for US BANK is 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 2021-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BMW Financial Services NA, LLC
State: MD

Complaint narrative:
I purchase my XXXX XXXX XXXX XXXX in XXXX from XXXX XXXX in XXXX XXXX Maryland, with an extended warranty. Unfortunately, I found out later ( 3 years ), my Car is in a class lawsuit against the ( XXXX ) engine, for oil chain causing major oil leaks, and there is no oil dip stick to check the level of oil, on this model, along with a under covering, so can not see any street oil leaks, and a malfunction on the interior computer dash to not show low oil. Unfortunately, thats what happen to me, and my cars engine locked up, while I was driving on the highway, Thank God I was able to pull over safely, because the car completely shut off, and never started again. I contacted XXXX  BMW in XXXX, XXXX, they informed me of the pending class lawsuit, and told me Bmw of America would pick up {$11000.00} of the {$19000.00} to replace the engine, and I have to pay {$7500.00} balance. Thats not fair to me, and was no fault of my own, I dont have that! I feel Im being bully! And I still have a car note with XXXX XXXX XXXX on this car

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
STOPED MAKING PAYMENTS DO TO COVID RELIEF AND AFTER CALLING AND GETTING AN OK FROM SUNTRUST ( MORTGAGE HOLDER ), I WAS ASSURED BY THE BANK THAT AT THE TIME THAT I WAS ABLE TO START MAKING PAYMENTS ALL PAYMENTS HOLD THROUGH COVID RELIEF WOULD BE MOVED TO THE BACKEND OF MY MORTGAGE, OBVIOUSLY THAT WAS A GREAT HELP AND REALLY HELPED ME THROUGH THIS TOUGH TIMES, BUT NOW WHEN READY TO START MAKING PAYMENTS IM BEING TOLD THAT I HAVE TO APPLY TO " SEE '' IF I QUALIFY AND GETTING HIT A QUESTIONARE THAT LOOKS SUSPICIOUSLY LIKE I WAS APPLYING TO SAVE MY HOME FROM GOING IN FORECLOSURE, AT NO POINT I WAS TOLD THAT THERE WAS AN APPROVAL NEEDED, I WAS UNDER THE UNDERSTANDING THAT THIS WAS A 100 % GUARANTEE AS SOON AS I WAS READY TO BEGIN MAKING MY REGULAR PAYMENTS. 


SUN TRUST MORTGAGE XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation