vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-17 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: MD

Complaint narrative:
According to 15 U.S.C. 1681B ( C ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) Furnishing reports in connection with credit or insurance transcations that are not initiated by consumer ( inquires ) - ( 1 ) In General A Consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( c ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if- ( A ) The consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transacation consists of a firm offer of credit or insurance.

( 3 ) INFORMATION REGARDING INQUIRES I DID NOT GIVE CONSENT TO ANY COMPANY TO PULL MY CREDIT REPORT THEY JUST PULLED IT ON THERE OWN I GUESS THEY WERE BORD OR NOT PAYING ATTENTION OR WHAT EVER THE EXCUSE IS BUT I JUST WANT THE FOLLOWING INQUIRES OFF MY REPORT : 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 XXXXXX/XX/XXXX I HAVE TOLD THE CREDIT BURASU A MILLION TIMES ABOUT THIS ISSUE ESPECIALLY { { XXXX } }!!!! XXXX TOOK THE INQUIRES OFF SENT ME PAPER WORK THAT THEY TOOK THE PAPER WORK OFF THEN INSERTED THE INQUIRES RIGHT BACK ON MY REPORT AND DID NOT EVEN SEND ME A LETTER BEFORE HAND TO TELL ME THAT THEY WERE GOING TO DO THAT!! THAT IS A VIOLATION!!! XXXX STAY VIOLATING EVERYDAY LIKE ITS A GAME!!! I CALL XXXX AND IT TAKES ME 3 XXXX HOURS TO GET A LIVE PERSON ON THE PHONE AFTER THE COMPUTER HANGS UP ON ME OR ACT LIKE IT CAN'T VERIFY MY INFOMATION BY TELLING ME THE INFO IM GIVING THEM IS WRONG!! HOW COULD THAT BE I KNOW MHY XXXX CREDIT REPORT INSIDE OUT I KNOW MY OWN PERSONAL INFOMATION WHEN ASKED ABOUT TO BECAUSE ITS MY INFO MY LIFE!!!!!!!!!! IM TIRED OF THIS XXXX BETTER STOP PLAYING WITH ME!!!!!! AND THEY NEED TO ANSWER THE PHONE!!!! PEOPLE NEED HELP OUT HERE WE ALL HUMANS NOT ROBOTS!!!

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 2022-03-17 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
According to 15 U.S.C. 1681B ( C ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) Furnishing reports in connection with credit or insurance transcations that are not initiated by consumer ( inquires ) - ( 1 ) In General A Consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( c ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if- ( A ) The consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transacation consists of a firm offer of credit or insurance.

( 3 ) INFORMATION REGARDING INQUIRES I DID NOT GIVE CONSENT TO ANY COMPANY TO PULL MY CREDIT REPORT THEY JUST PULLED IT ON THERE OWN I GUESS THEY WERE BORD OR NOT PAYING ATTENTION OR WHAT EVER THE EXCUSE IS BUT I JUST WANT THE FOLLOWING INQUIRES OFF MY REPORT : 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 XXXXXX/XX/XXXX I HAVE TOLD THE CREDIT BURASU A MILLION TIMES ABOUT THIS ISSUE ESPECIALLY { { XXXX } }!!!! XXXX TOOK THE INQUIRES OFF SENT ME PAPER WORK THAT THEY TOOK THE PAPER WORK OFF THEN INSERTED THE INQUIRES RIGHT BACK ON MY REPORT AND DID NOT EVEN SEND ME A LETTER BEFORE HAND TO TELL ME THAT THEY WERE GOING TO DO THAT!! THAT IS A VIOLATION!!! XXXX STAY VIOLATING EVERYDAY LIKE ITS A GAME!!! I CALL XXXX AND IT TAKES ME 3 XXXX HOURS TO GET A LIVE PERSON ON THE PHONE AFTER THE COMPUTER HANGS UP ON ME OR ACT LIKE IT CAN'T VERIFY MY INFOMATION BY TELLING ME THE INFO IM GIVING THEM IS WRONG!! HOW COULD THAT BE I KNOW MHY XXXX CREDIT REPORT INSIDE OUT I KNOW MY OWN PERSONAL INFOMATION WHEN ASKED ABOUT TO BECAUSE ITS MY INFO MY LIFE!!!!!!!!!! IM TIRED OF THIS XXXX BETTER STOP PLAYING WITH ME!!!!!! AND THEY NEED TO ANSWER THE PHONE!!!! PEOPLE NEED HELP OUT HERE WE ALL HUMANS NOT ROBOTS!!!

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 2022-03-17 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: MI

Complaint narrative:
in accordance with the Fair Credit Reporting act 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: Experian Information Solutions Inc.
State: NC

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 : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX XXXX XXXX XXXX  Account Number : XXXX As a consumer by law this account must be deleted immediately. 

2. Misleading false reporting unverified/inaccurate date last active date across the bureau date last payment should report on file XXXX XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted 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 2022-03-17 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: TX

Complaint narrative:
Equifax I has violated my consumer rights causing me stress and financial injuries Equifax violated my consumer rights under 15 USC 1681b ( 2 ) I never gave Equifax any written instructions or any consent to furnish information on my consumer report or furnish a consumer report on my behalf Which is IDENTITY theft pursuant to 15 USC 1681c-2 They have have also in violated 15 USC 1681n civil liability for willful noncompliance by furnishing information on a consumer report on my behalf causing me stress and financial injuries and also committing fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: GA

Complaint narrative:
I have reached out to Equifax regarding several inquires on my credit report. I notified the Bureau that several of these inquires I did NOT authorize! Instead of them removing them from my file they IGNORED my complaint. As a consumer I deserve a credit report that is 100 % accurate. On my credit report I have notified them about XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX and XXXX. In the dispute process the Bureau are supposed to verify items that are on my credit report. They have not. I have notified them that I didn't give these people my permission to access my credit report at anytime. However Equifax still has not removed these items from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: MI

Complaint narrative:
in accordance with the Fair Credit Reporting act 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
I was approved for a trial modification. I made 2 payments. I made a XXXX payment with no problem. 
I called in to confirm they received it and I was advised it was there and has been applied as my first trial payment. My XXXX payment was returned. I called in this month to find out what happened and was placed on hold and the call ended. I called back numerous times and was never advised as to what happened. I asked for supervisors and I was advised either no one was available or that someone would call me back. 
I have a sale date. I need to know what happened with my trial plan so I can keep my home. The letter they sent back with my payment failed to explain what went wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-17 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: NY

Complaint narrative:
There are alleged negative items showing on my credit report for which I do not recognize. Pursuant FCRA 623, I am demanding the removal of it.

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 2022-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: DC

Complaint narrative:
BSI Financial Services ( BSI ) has made multiple errors and violations of federal law while servicing my home mortgage. In less than 2 years since BSI acquired my mortgage, BSI has : ( 1 ) illegally failed to make the XXXX annual insurance payment on time ; ( 2 ) illegally failed to make multiple Washington, D.C. property tax payments on time ; ( 3 ) illegally paid D.C. property tax penalties and interest out of my escrow account ; and ( 4 ) as a result of its delinquent property tax payments, caused me to have a remaining balance for my XXXX property taxes. 

I have spoken to the BSI customer service department twice. In both cases they were unable to explain why these errors occurred and why they have failed to correct the problem. The customer service representatives refused to escalate my call to have these matters remedied. During the second call, I was advised to submit my concerns via email, and my account would be flagged for a response within 48 hours. I provided an email with all relevant facts and supporting documentation on XX/XX/XXXX and have not received a response as of the date of this complaint. 

I have made 100 % of my mortgage payments on time and in full. 

BSI and the CFPB entered into a consent order on XX/XX/XXXX. The consent order requires BSI to maintain serving systems, policies, and procedures reasonably designed to ensure it can ensure accurate and timely disbursements on all escrowed loans. The issues we have experienced with BSI demonstrate that whatever policies it has in place are not sufficient to ensure timely disbursement on escrowed loans, and BSI is in violation of the terms of the consent decree. BSI 's actions violate the Real Estate Settlement Procedures Act ( 12 U.S.C. 2601 et seq. ) and Regulation X ( 12 CFR Part 1024 ), and they constitute unfair, deceptive, or abusive acts or practices under the Consumer Financial Protection Act ( 12 U.S.C. 5536 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
My previous case # was XXXX - unsolved and new information below To whom it may concern I am writing this letter because I have already attempted to get a validation for late payments being reported to reporting agencies by Cross Country Mortgage. After receiving a letter back from XXXX XXXX, she stated in her findings that I was in the process of getting a loan modification when the account was sold and transferred to another lender which means I no longer owed Cross Country and now my debt was with the new company. I am writing because when I was in that process of loan modification and obtaining a forbearance, I was told no late payments would be reported during that process and before it could be fully modified the account was sold and they did the modification for me. What I need from your company is the XXXX negative late remarks being reported to the reporting agencies removed from my file. I am asking for a goodwill letter request and would like a Universal Date Form faxed over or mailed to all reporting agencies to be sent out on behalf of Cross Country. There is no need for Cross County to maintain these negative remarks as I have no debt with this company and these remarks are causing me a great harm financially on my background. I am asking for a good will request and have all negative remarks removed or show the proper debt validation that these payments were late even though I was in the process of a loss mitigation and was told no late payments would be reported during that time. 

Once again, it cost your company nothing to remove these negative remarks from all reporting agencies In my previous complaint no resolution was given, and I was not supplied with information I requested. Only given dates of events. I requested validation of the late payment remarks and money said owed proven. I applied for loan modification and before this lender could approve it, they sold my account, and the new company finalized the loan modification and all debt owed was removed. this company needs to remove negative remarks from all reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2022, I logged in on Transunion 's website to look at my credit report. I noticed an account that stated the estimated removal date to be XX/XX/2022. I called Transunion, and explained to customer service, since today is XX/XX/2022. She explained on her end, it shows the account will be removed in XX/XX/2022. I told her I was still logged in, and the account shows me it will be removed XX/XX/2022, and then requested to speak to a supervisor. The supervisor, XXXX, proceeded to tell me the same information, that on his end, it shows that account will be removed in XX/XX/2022. I, again explained what I saw on there website, and also saved and printed that information. I explained to him, that is a violation of the FCRA.

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 2022-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
MY identity has been stolen a police report was filed and the information has been mailed to the credit card companies on this report. As of today they remain on my credit report. 

This accounts are not mines are are the product of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
Rent recovery collection agency through skip tracing placed a XXXX collection account on my XXXX credit report XX/XX/2022. There is no personal documentation tying me to the debt, but my name. When I called to address the collection account, I was told the social security number didn't match, my cell phone number didn't match and there were other things as well. I advised the representative that I was a victim of identity theft and if no personal items didn't match upfront why would the account be placed on my report without verification. The rep didn't have an answer and just advised me to send in a FTC report as well as my driver 's license. I advised the company that being a victim of identity theft has already caused me problems. I'm in the middle of buying a home. Adding an account that was opened with a CPN and the collection agency didn't verify the validity of the debt, but only added it because they did a skip trace matching my name is stupid beyond belief. Why wasn't the collection added to the credit report using the CPN that was used to obtain the fraudulent account to obtain an apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
In 2018, a collection was placed on my account by Transworld System for an unpaid XXXX bill that I had never received from the original creditor. I informed the collection agency that I was not initially informed by the original creditor and had already paid the original creditor directly. I reached out to XXXX to explain the situation and have the collection account removed from my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I contacted Barclays in XX/XX/2021 when I noticed a small balance on my card that I paid off in full XX/XX/2021. Apparently my card was linked to my soon be ex husbands XXXX account & it was being used as a default payment. I contacted XXXX they were refunding all charges because fraudulent use. Barclays was called & told about this. The problem was that the interest & late fees were making the situation worse. I filed report with XXXX & we called Barclays which we were transferred to 5 different people with no resolution. I felt that my complaint would be easy & everything go away. Barclays continued to report late payments for multiple months & then closed my account. I received a letter from them saying that when they looked that I was responsible for the debit of interest & late fees combining. It is a disgrace that the credit bureaus calling cant get things taken care of. Please let me know if you need anything else from me & I hood you can get this resolved so it will stop negatively impacting my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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 : 1. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Validate Account XXXX 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 2022-03-17 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
FRAUD INQUIRES XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief