vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-20 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: OH

Complaint narrative:
These company is in clear violation of the law. Under 15 USC 1681b- permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( A ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer whom it relates.

Did I give you written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( A ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusionsexcept as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) Reporting containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete all the above LATE PAYMENTS from my consumer report, the agency is in violation of 15USC 1681 Failure to respond satisfactorily with deletion of above referenced account, and send out a free copy of my credit report after changes have been made, will result in legal action being taken against your company. For which I will also be seeking {$1000.00} per violation for : 1 ) Defamation of character ( per se ) 2 ) Negligent Enablement of Identity Fraud 3 ) Fair Debt Collections Practices Act 15 USC 1692g violations 4 ) Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance616. Civil liability for willful noncompliance [ 15 U.S.C 1681n ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: OH

Complaint narrative:
These company is in clear violation of the law. Under 15 USC 1681b- permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( A ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer whom it relates.

Did I give you written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( A ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusionsexcept as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) Reporting containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete all the above LATE PAYMENTS from my consumer report, the agency is in violation of 15USC 1681 Failure to respond satisfactorily with deletion of above referenced account, and send out a free copy of my credit report after changes have been made, will result in legal action being taken against your company. For which I will also be seeking {$1000.00} per violation for : 1 ) Defamation of character ( per se ) 2 ) Negligent Enablement of Identity Fraud 3 ) Fair Debt Collections Practices Act 15 USC 1692g violations 4 ) Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance616. Civil liability for willful noncompliance [ 15 U.S.C 1681n ]

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 2023-03-20 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: VA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

**XXXX XXXX ( XXXX  ) **XXXX XXXX XXXX ( XXXX  ) **XXXX XXXX XXXX XXXX** Section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
In XX/XX/2023 I made a purchase from XXXX believing they were XXXX. The website popped up via a XXXX search and the company was posing as XXXX XXXX who has been in business for quite some time. After my money was sent, I attempted to contact the seller with the name and address of the FFL that I wanted my firearm sent to and immediately my emails began to bounce. This happened on XX/XX/2023. This is when I realized something was wrong. I continued to try to contact the seller and even emailed the address on the zelle account where the money was sent, but to no avail. I contacted my bank that same day, XX/XX/2023 to let them know that this company was fraudulent. I searched online and found that it was two separate websites and found multiple reviews were other folks had also had money stolen from them. My bank, XXXX, stated that I had to wait for the transaction to process before they did something about it and that I shouldn't have made the purchase to begin with. I called again on XX/XX/2023 when the money did process and filed a claim with Zelle 's fraud department. This weekend, XX/XX/2023 I received a letter from XXXX stating that because I made the transaction that I would not be getting my money back. 

I have reported this fake gun company to the Federal Trade Commission as well as the Georgia State Commissioner and the XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: MN

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Minnesota XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to request the removal of several negative items from my credit report, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). These items are as follows : UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION from 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  with account number XXXX. This account has a payment history despite being a charge off, which is a violation of the FCRA. I request that it be deleted immediately. 
XXXX XXXX XXXX with account number XXXX. This creditor has reported 60 day late payments on my account for XXXX and XXXX of XXXX, but I have never been late on this account. They have admitted over a recorded phone call that these late payments were an administrative error on their part and agreed to remove them. A copy of that XXXX file of the call is included in this complaint. The creditor has also failed to prove that they sent out an early warning notice as required by the FCRA. 
XXXX XXXX XXXX with account number XXXXXXXX XXXX with account number XXXX, XXXX XXXX with account number XXXXXXXX XXXX  with account number XXXX. These accounts have a payment history despite being charge offs, which is a violation of the FCRA. I request that they be deleted immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with account number XXXX, and XXXX XXXX XXXX XXXX with account number XXXX. Kindly investigate and make sure these accounts belong to me because I can not recognize these businesses. Please delete these accounts from my credit report in accordance with the FCRA. 
I would like to emphasize that these items are causing significant harm to my credit score and financial well-being. As such, I request that you take immediate action to address these violations of the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2023-03-20 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Minnesota XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to request the removal of several negative items from my credit report, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). These items are as follows : UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION from 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 with account number XXXX. This account has a payment history despite being a charge off, which is a violation of the FCRA. I request that it be deleted immediately. 
XXXX XXXX  XXXX with account number XXXX. This creditor has reported 60 day late payments on my account for XXXX and XXXX of XXXX, but I have never been late on this account. They have admitted over a recorded phone call that these late payments were an administrative error on their part and agreed to remove them. A copy of that XXXX file of the call is included in this complaint. The creditor has also failed to prove that they sent out an early warning notice as required by the FCRA. 
XXXX XXXX XXXX with account number XXXX XXXX with account number XXXX, XXXX XXXX with account number XXXXXXXX XXXX  with account number XXXX. These accounts have a payment history despite being charge offs, which is a violation of the FCRA. I request that they be deleted immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX with account number XXXX, and XXXX XXXX XXXX XXXX with account number XXXX. Kindly investigate and make sure these accounts belong to me because I can not recognize these businesses. Please delete these accounts from my credit report in accordance with the FCRA. 
I would like to emphasize that these items are causing significant harm to my credit score and financial well-being. As such, I request that you take immediate action to address these violations of the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2023-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
I was a XXXX XXXX customer, due to lack of service- I was let out of my contract by XXXX ( all documented ) - in XXXX of XXXX. By the time i FINALLY got the return shipping letter ( XXXX ) - all i had to do was return my phones. Again, i was approved via " tier 2 '' within XXXX. I XXXX XXXX the phones back on XX/XX/XXXX. The tracking number is XXXX. It was received on XXXX. I had my friend/also works for XXXX call from the local XXXX store shortly after, and it was confirmed again by him and within XXXX the phones were received. This was documented. I continued to get calls and bills showing a {$1100.00} bill. Now my monthly bill was around {$200.00} and i was never late. The jump was due to not returning the phones. Again, both myself and the XXXX employee called. This was XX/XX/XXXX. Again, the spokesperson said the account showing a XXXX balance. I got another bill and I called on XXXX. Again, told me XXXX balance, but i keep getting bills. The XXXX rep then called on Sun XXXX.. this was an " internal support ''. He tells me this is unfortunate standard practice and it happens a lot- they dont credit the account for returned phones. Due to this call from the XXXX employee ( getting his manager involved too ) XXXX was supposed to have a special appointment call me later that day, their confirmation number was XXXX. I never got a call. 
They sent to collections and now wont discuss it. I've sent an email to XXXX ( the debt collector ) but they are XXXX help and just sent me a copy of the bill. Again, jumping from {$200.00} to {$1100.00} in 1 month. They offered XXXX response to my detailed explanation and have refused to write back. I've also had the same XXXX rep call on XX/XX/XXXX, but they wont discuss the account due to it being " charged off '' I would like this complaint against XXXX XXXX and XXXX. The reference number from XXXX is XXXX. I messaged them on XX/XX/XXXX, XXXX XXXX all they did was send me a copy of a bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: FL

Complaint narrative:
This account has been closed and requested to be deleted per the collection agency. I requested a copy of my credit report and this account still appeared. I contacted the collection agency and requested to speak to a supervisor she informed me that this account was requested to be removed prior to XX/XX/2023. I informed her that it had not been deleted and that Equifax in fact reported it as still open with a balance XX/XX/2023. She then informed me that it is out of their hands because they requested it and its up to the bureau to remove. This is causing adverse action and wish to have this deleted asap. see proof of deletion attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: TX

Complaint narrative:
I recently requested an investigation into XXXX XXXX  being reported on my credit report and requested an investigation and the removal of this account from my report. I did not receive a hard copy of the application documents with my signature as requested upon completion of the investigation nor an updated copy of my credit report and it is also listed as a collection being reported with a balance. According to 15 USC 1692 this company should not have any of my information and are violating my rights. They are reporting inaccurate information and can not provide me with the hard copy of any documents with my signature. I would like this to be removed once again and let this be the last time that i have to file a complaint. It is also past 30 days that this request was submitted and i have a right to request that it be removed permanently. 
Thanks in advance.

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 2023-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
This mortgage was originated with XXXX XXXX XXXX XXXX XXXX in the fall of XXXX, in order to reduce my mortgage interest rate with XXXX at the time that was more than 7 %. My experience with XXXX I was victimized three times. 
1. XXXX withheld one of my payments without posting it and then reported me to the credit bureau for being late. 
2.XXXX  to increased my mortgage payments because the XXXX XXXX XXXX Department of water , claimed that I owed them a {$10000.00} as I was disputing the charges with the XXXX XXXX XXXXXXXX water Dept. I had to take out a loan to pay the bank or have a {$1000.00} mortgage increase. 
I have a single family home but my bill was sometime {$700.00} but this stopped was I had them installed a new water meter. My water bill since average {$200.00}. 
3. As I was processing the refinancing of my home with XXXX XXXX XXXX XXXX XXXX XXXX attached an additional {$15000.00} onto my closing cost. 
So as I started this new account I always paid my mortgage a month ahead. Through automatic deductions 1. Freedom mortgage have held my automatic deductions payments at one time just like XXXX but they could not report it to the credit bureau. 
2. Freedom mortgage also once have applied my advance payment to my mortgage principal without discussing it with me MY COMPLAINT HERE : Freedom mortgage have opened an escrow account sometime earlier this year XXXX, for taxes and insurance.

My mortgage, however call for me to pay my own taxes and insurance : 1. I call the XXXX XXXX XXXX Department of finance,  they informed me that my tax payments were on time. 
I mailed my XX/XX/XXXX tax payment in XX/XX/XXXX, the was paid on XX/XX/XXXX approximately. The XXXX tax customer service, Advised me that when you use the United States Postal Service to make tax payments, it could take up to five weeks before being posted to your account. So the city have started a new pay by phone system.

My next tax payment is due in XX/XX/XXXX And my insurance is paid until XX/XX/XXXX My next mortgage payment should be XX/XX/XXXX, but my bank changed it to XX/XX/XXXX for an increase of nearly {$400.00}.

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 explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX-Tranunion-XXXX  : I have two creditors on my credit report that are charged off accounts. XXXX XXXX  and XXXX XXXX. They both are over five years old. XXXX sent me a letter stating that they do not need to collect any money from me and will send a 1099 to my home. Which never happened. I sent the letter and filed a disbute complaint with the three bureaus and they wont remove or update my account.

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 2023-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX-Equalfax : I have two creditors on my credit report that are charged off accounts. XXXX XXXX  and XXXX XXXX. They both are over five years old. XXXX sent me a letter stating that they do not need to collect any money from me and will send a 1099 to my home. Which never happened. I sent the letter and filed a disbute complaint with the three bureaus and they wont remove or update my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LendingPoint Holdings LLC
State: AL

Complaint narrative:
On XX/XX/2023 I requested a payoff amount and submitted the amount provided electronically the same day ( within minutes ) to pay the loan off in full. Several hours later, the payoff amount/payment was posted to my account, and the payoff was short by {$4.00}. I called and requested a reason as to why the payoff was not provided correctly. I was informed there was some kind of system error that did not calculate the accrued interest for the XXXX, even though I had requested the payoff on the same day. I was informed due to the error, they would have the balance waived, and the process would take 5-7 days. After 10 days, and interest still continuing to accrue on the remaining balance, I called again on XX/XX/2023 to inquire as to why the remaining balance had not been taken care of as stated it would on the XXXX. I was informed the balance was only {$4.00} and I could pay the remaining balance off over the phone. I had to go back through what happened again. I was placed on hold ( as I was the first time on the XXXX ), and was told they would escalate the issue again. I'm concerned this company is harming other customers by not providing accurate payoff quotes, leaving consumers short on payoffs, and additional interest accruing on the accounts, making it harder for customers to get accounts paid off and resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: VA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, 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 non-monetary relief