vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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. 


TransUnion Names : XXXX XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX CA XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Name : XXXX XXXX XXXX Employers XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX SXXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents and ID as it contains my full complaint and requests. I am hereby notifying you that neither on those dates or dates similar did I authorize any individual from the listed companies to pull or review my consumer report. Additionally, I have not given Equifax this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: UT

Complaint narrative:
Immediate removal of all credit reporting for failure to send the notice of rights to dispute to my correct address. Resurgent capital sent a notices to the wrong addresses. All responses will be used to seek damages if need be in third district small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
In purchasing XXXX airline ticket, advertising came for AMEX Delta Skymiles as : Limited offer Earn {$400.00} statement credit after XXXX weeks after making Delta  Purchase XXXX and XXXX Bonus miles after {$2000.00} purchase with new credit card in first 3 months. 
I open account on XXXX, had Delta purchase XXXX XXXX XXXX and spend over {$2000.00} up to XXXX paid on XXXX in almost two months. 
Called couple of times for follow up, they asked me to be patient and wait as it takes time and will come on your next statement. 
After three times follow up, they informed me, I was not eligible for bonus and statement credit. This is a fraud and rip off. I filed a claim with AMEX, no respond after weeks. 
Credit cards comes with perks, If I was not eligible for any reason, they should inform me right away and most likely not issue {$8000.00} credit card. 
How issue credit card in seconds but for bonus, I am not eligible!!! 


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Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Transunion is reporting information that is inaccurate on my credit report. I disputed it a few times and nothing is still being done. They refuse to update my credit report and are showing wrong dates, wrong names, wrong addresses, wrong account dates, reporting accounts from XXXX and XXXX. They dont send me any information on the investigation that was done. I keep disputing all the wrong information but they report to XXXX XXXX that the information is accurate. It cant be accurate if I didnt receive any information on it and its the wrong dates or outdated information. The picture I uploaded even shows that I disputed this account twice and I was with XXXX XXXX XXXX with my current number and XXXX is showing that I still have an account with them as of XXXX I believe cause it still shows open account. This account is a couple years old now, Transunion also refuses to remove accounts past 7 years as well.

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 2022-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
Hey, there's a debt collection company by the name of CREDENCE RESOURCE MANA ; the original creditor is XXXX XXXX XXXX. 

This account has been deleted multiple times from my credit reports & RE-inserted multiple times. It happened again this month. 

This account is not mine. This is why I've been disputing it. 

Please help me get this account off my credit reports. 

Debt collectors name : CREDENCE RESOURCE MANA Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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. 


XXXX Names : XXXX XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXS Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Name : XXXX XXXX XXXX Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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. 


XXXX Names : XXXX XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Addresses : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL

Complaint narrative:
I look at my credit score, and I saw my credit score went down like XXXX XXXX, than I saw a derogatory account, by this helvey assoc., that I own them {$240.00}, I call them to see how this happened, they got my full name and address, so I could figure out who's behind this, they say the only way they let me know if I pay them some money, when I ask what do they mean they say I don't advise to pay because this is going to stay on your record for 7 years. when I ask where is this debt came from he said pay me XXXX a month to dispute the claim so I figured it is a form of fraud and I hanged up. 
the firm name is halved associates.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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:
Account- XXXX XXXX XXXX XX/XX/2022 $ XXXX Inquiry- XXXX XXXX  XX/XX/2022 inquiry- XXXX XXXX XXXX XX/XX/2022 inquiry- XXXX XXXX XXXXXX/XX/2022 account- XXXX XXXX XXXX account- XXXX  XXXX XX/XX/2022 {$140.00} Account- XXXX XXXX XXXX XX/XX/2022 {$390.00} inquiry- XXXX XXXX XX/XX/2022 The above referenced accounts/inquiries were not authorized by me. Ive contacted companies in regards to the misinformation and given them 30days to comply. The companies who did comply are not list and they have removed any false info from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
The company by the name of XXXX XXXX XXXX have been calling my home 7 times per day every day even on XXXX  even after I have asked them to stop I advised that I dont have any business relationship with them and if there is any communication to be had then they should mail it. This harassment continues as of the date of this complaint. XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am an elderly lady who doesn't check my credit report a lot but when my child showed me how I realized someone rented an apartment using my name, The name of the creditor is XXXX XXXX XXXX they are on my credit report 3 times with a total debt of XXXX which is not mine. Also there were several hard inquiries on my report XXXX  XXXX, XXXX XXXX. XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account ( XXXX 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 XXXXXX/XX/XXXX XXXX XXXX XXXX Formerly XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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

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 2022-08-22 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 have two student loans which had originally been serviced by XXXX XXXX XXXX and XXXX ( or XXXX  ). The loans servicer was changed to XXXX in XX/XX/2020. My Experian Credit Report now shows the incorrect information. Rather than two loans that have been closed at XXXX and two loans still open with XXXX, it shows 4 loans open at XXXX. It appears that they have the correct information duplicated, as there are two nonexistent loans showing up with exactly the same information as the ones I do have. This is not correct and I have tried to dispute the issue multiple times without the duplicate information being removed. I also tried to contact XXXX, who confirmed they reported the proper record to Experian.

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 2022-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
I had my mortgage with freedom mortgage since XXXX of XXXX. Prior to that, I had been paying my mortgage to XXXX XXXXXXXX. I have never missed a payment or was never late to make payments. I had my ACH set up with the companies for the past 5 years. 

Freedom mortgage sold my mortgage to Mr. Cooper in XX/XX/XXXX. I wasn't aware of this and as such, there was no ACH set up. I got aware of this situation in XX/XX/XXXX and as soon as I found out, I paid the entire amount ( approx. {$11000.00} ) the same day with Mr. Cooper. It was an honest mistake and Mr. Cooper 's representative told me they can dispute my credit and fix this mistake as they reported this. 
However, I called to confirm this, and they denied that they can fix this issue and were not at all helpful in navigating and helping me find a solution. They were very dismissive and they didn't have this same attitude when I initially called to make payment and set up the ACH. I am looking for help in figuring out how to fix my credit. Thank you so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On XX/XX/XXXX, I submitted a complaint on three credit bureaus reporting wrong information on my credit report. The companies responded that some information is accurate and took no actions on my credit report. I asked for a full investigation AND proof that the companies that are reporting negative items on my credit report by providing contracts signed by me with the companies that are reporting on my credit report. There was no proof provided, therefore I request that all the companies that are reporting negative items on my credit report that are in my original complaint be removed from my credit report. 

Companies XXXX XXXX XXXX XXXXXX/XX/XXXX - {$790.00} XXXX XXXX XXXX XX/XX/XXXX - {$1200.00} XXXX XXXX XXXX XXXXXXXX XXXX - {$810.00} XXXX XXXX XXXX  - XX/XX/XXXX - {$810.00} XXXX XXXX XXXX  - XX/XX/XXXX - {$790.00} XXXX XXXX XXXX - XX/XX/XXXX - {$1200.00} XXXX and XXXX - XXXX XXXX - {$2400.00} XXXX XXXX- XX/XX/XXXX - {$400.00} XXXX XXXX XXXX XX/XX/XXXX {$400.00} XXXX XXXX XXXX XX/XX/XXXX {$9800.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$5300.00} XXXX XXXX XXXX- XX/XX/XXXX - {$720.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
On XX/XX/XXXX, I submitted a complaint on three credit bureaus reporting wrong information on my credit report. The companies responded that some information is accurate and took no actions on my credit report. I asked for a full investigation AND proof that the companies that are reporting negative items on my credit report by providing contracts signed by me with the companies that are reporting on my credit report. There was no proof provided, therefore I request that all the companies that are reporting negative items on my credit report that are in my original complaint be removed from my credit report. 

Companies XXXX XXXX XXXX XXXXXX/XX/XXXX - {$790.00} XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1200.00} XXXX XXXX XXXX XXXXXXXX XXXX - {$810.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$810.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$790.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1200.00} XXXXXXXX XXXX XXXXXXXX - XXXX XXXX - {$2400.00} XXXX XXXX XXXXXX/XX/XXXX - {$400.00} XXXX XXXX XXXX XX/XX/XXXX {$400.00} XXXX XXXX XXXX XX/XX/XXXX {$9800.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$5300.00} XXXX XXXX XXXX- XX/XX/XXXX - {$720.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have disputed errors and inaccuracies on my credit report via Equifax 's online disputing service on several occasions over the past few months and they have yet to be removed. I decided to actually call today, XX/XX/22 at XXXX and spoke with a representative by the name of XXXX XXXX # XXXX from Equifax XXXX XXXX refused to further investigate the inaccuracies I reported that I have already previously disputed. She also refused to transfer the call to a higher representative such as a manager or supervisor or a colleague to better assist me. She told me she could not transfer the call, but I could hang up and call back. XXXX was unfortunately rude and did not perform her duty in a respectful manner, after so long she hung up. I called back at XXXX and spoke with a male representative whose name and associate number I did not get. I told him my issue and before I could finish he immediately began giving me a similar script XXXX did and the phone went silent. I am assuming XXXX was in the background coaching him, he then came back on the line and proceeded to transfer the call as I had asked to be transferred to someone higher than him. I waited on hold for about 30 minutes and the call proceeded to be disconnected on their end. I am not getting any help from the company and it is hindering my credit acquisition.

Company response to consumer: Closed with explanation