vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Spoke to TransUnion today. Informed them that a fraudulent inquire has appeared on my credit report, dated XX/XX/2022 from XXXX XXXX. Explained that I was on vacation and just returned to be alerted of the fraudulent inquire. The representative told me there was nothing he could do. I explained the inquire was fraudulent and asked for an investigation to have it removed from my report, as the security freeze was not stopping people from trying to access my account. I asked for a special password or code to block further fraudulent activity. The representative said there was nothing they could do. This is wrong on so many levels and I am demanding TransUnion work to remove this fraudulent account, as I have been a victim of fraud over the past ten years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: FL

Complaint narrative:
15 USC 1681 SECTION 602 A STATES I HAVE RIGHTS TO PRIVACY!

15 USC 1681 SECTION 604 SECTION 2 STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT WET WRITTEN AUTHORIZATION CREDIT REPORTING AGENCY THAT THIS COMPLIANT IS ADDRESSED TO CONTINUES TO PARTICIPATE IN FRAUDULENT ACTIVITIES TOWARDS MY CREDIT REPORT ALONG WITH ASSISTING AND ABIDING NOT ONLY FRAUDULENT BUT ILLEGAL COMPANIES WHICH CONTINUE TO REPORT AND DEFAME MY NAME AND PUBLIC RECORDS ALONG WITH DAMAGING MY CREDIT SCORE AFTER MULTIPLE ATTEMPTS OF ASKING FOR PROPER VERIFICATION AND VALIDATION AND TO SEND ME THE CONSUMER A PROOF OF SIGNATURE AND AUTHORIZATION ACCORIDING TO THE FCRPA. AFTER SEND IN MY POLICE REPORT AND MY IDENTITY THEFT REPORT FROM THE FEDERAL TRADE COMMISSION THIS COMPANY STILL KNOWINGLY AND WILLFUL INCOMPLIANCE WITH NOT ONLY THE LAW BUT WITH THE FCRPA THIS AGENCY CONTINUES TO SEND FASLEY AND MISLEADING AND INCONGRUENT INFORMATION RELATING TO THE CURRENT INVESTIGATIONS AND DOCUMENTS SENT TO COMPANY AND BEING RECEIVED FROM COMPANY BUT COMPANY CONTINUES TO FALSELY MISLEAD THE CONSUMER FINANCIAL PROTECT BUREAU AS WELL PLEASE SERIOUSLY INVESTIGATE THIS AGENCY AND THEIR WAY OF HANDLING CONSUMERS INFORMATION AND THE FRAUDULENT ACTIVITIES THEY ASSIST ALLOW AND/ OR ABID IN.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-05 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: CORELOGIC INC
State: GA

Complaint narrative:
I have a credit inquiry on my report from credco XX/XX/2022 that I am not aware of.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I called Equifax on XX/XX/2022 and XXXX on XX/XX/XXXX about an account that keeps reappearing on my report after being deleted. Reinsertion goes against FCRA regulations. The account XX/XX/XXXX which reported on XX/XX/2022 is a reinserted account for XXXX. The representatives of both let me know to upload an FTC document in order to get this taken off. It appears that their online uploading tool is not working as the bureaus still keep reporting this account after sending them such documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC

Complaint narrative:
I received a notification on XX/XX/2022 that my Homeowner 's Insurance ( XXXX ) was cancelled due to non-payment. Contacted PennyMac on XX/XX/2022 to confirm payment was made from my Escrow, they advised it was just paid on XX/XX/2022 ( though online system says XX/XX/2022 ). Pennymac tried to contact insurance company, but was unsuccessful due to it being a Saturday. Contacted Pennymac again on XX/XX/2022 to find out what happened. They confirmed the above and contacted the insurance company. Insurance company advised they did not receive payment, policy is lapsed and I'm not covered. Only option to reinstate at this time was to pay {$450.00} or wait until Pennymac 's payment was received. Considering this is not my fault, Pennymac should look to make this right ASAP and not wait for the payment to be received, including incurring all costs to reinstate immediately. XXXX has confirmed they will reinstate back to XX/XX/2022 as long as Pennymac 's payment is recevied by XX/XX/2022, however will not provide any coverage for any loss until payment is received. Pennymac also advised I will need to continue to follow-up with the insurance company to validate the payment is received, taking no responsibility for the delay and cancellation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXXXXXX, XXXX # XXXX, XXXX, XXXX # XXXX, XXXX XXXX, XXXX # XXXX, XXXX XXXXXXXX # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-05 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) XXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
In XXXX of XXXX my husbands job was furloughed due to Covid. In XX/XX/XXXX we entered into loan forbearance for our mortgage due to the federal Covid relief plan that was in effect. Our loan was in forbearance until XX/XX/XXXX when the program ended. We were instructed by our lender, PNC, at that time to apply for loan modification which we did immediately, the day the program ended. The federal Covid relief plan outlined that any missed payments were to be tacked onto the backside of the mortgage. I have also checked with numerous other companies and lenders to see if this is/was their practice or knowledge, which it was. Our mortgage lender, PNC, is now saying that the loan modification or amending the mortgage is and was actually never an option and they are demanding all 18 months of forbearance payments in full or our house will be foreclosed on immediately. So there are demanding {$40000.00} paid in full, due immediately, no exceptions. 
So even though PNC were the ones to offer the Forbearance, Covid assistance, there really was no assistance. How would someone have 18 months of mortgage payments readily available if their job has not been paying them for the past 18 months?! PNC is intentionally misleading their customers and not abiding by a federal law that was set up to protect consumers that were being effected and are still being effected by Covid. We have told them that we can make arrangements to pay anything and everything in escrow, we can pay whats due from XXXX XXXXcurrent ( which they had told us not to pay until the modification had been processed ), that we can pay a portion of the {$40000.00} but not all of it. They are unwilling to work with us at all or make any kind of arrangements to resolve this situation that they put us in. We are literally willing to entertain any and all compromise options.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
My name is XXXX XXXX, owner of the property at XXXX XXXX  XXXX XXXX, XXXX, DE XXXX ( Mortgage Account # XXXX ). I am writing to report and complain about Select Portfolio Servicing, a Mortgage company. 

In XXXX, I bought my property at XXXX XXXX XXXXXXXX XXXX, XXXX with a XXXX XXXX XXXX mortgage lender for {$230000.00}. My family and I lived in the house until XXXX when my wife filed for divorce after completing her XXXX graduate education. The Family Court ruled that we sell the house against my will and asked me to move out while my wife stays there until the sale. I immediately communicated with SPS about the sale - short sale. They repeatedly requested documents upon documents including my divorce decree, paystubs, and every possible requirement which I provided. I also secured two realtors, XXXX XXXX XXXX and XXXX XXXX who helped spent over {$15000.00} on renovating the property. SPS approved short sales over five times. 

In the process, we found more than five ( 5 ) buyers, but SPS refused to let us sell the property. We even found buyers after renovations who were willing to buy the property for over {$200000.00}. Every time we are about to proceed to close, SPS will reject the offer to the point that our last offer from a buyer which was {$220000.00} was rejected. Yet, SPS decided to put the property up for a XXXX 's sale for {$170000.00}. The clear motives of SPS are fraudulent. The endgame is to take the property from me by force and then turn around and sell it to make double profits.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: NY

Complaint narrative:
NATIONAL CREDIT ADJUST Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone number ( XXXX ) XXXX National Credit Adjusters claims that I owe {$2400.00} I did not receive any initial letter. Furthermore XXXX subsequent letters requesting validation of this alleged debt have gone without any response. The first letter was on XX/XX/2022, second letter on XX/XX/2022 All Certified mail with XXXX receipt. I Never signed or verbally agreed to any business with that company. However, somehow XXXX verified the alleged debt as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: OH

Complaint narrative:
XXXX, XXXX and Equifax all are reporting charge off accounts on my credit report. The IRS defines a charge off or a 1099c as gross or ordinary income. Income does not get reported on the consumer report. By reporting this as a charge off on my consumer report This now becomes an inaccurate Account which now under 15 U.S.C 1681EB which speaks on maximum accuracy of the consumer report it must bet Deleted and it is still on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: OH

Complaint narrative:
Experian, XXXX and XXXX all are reporting charge off accounts on my credit report. The IRS defines a charge off or a 1099c as gross or ordinary income. Income does not get reported on the consumer report. By reporting this as a charge off on my consumer report This now becomes an inaccurate Account which now under 15 U.S.C 1681EB which speaks on maximum accuracy of the consumer report it must bet Deleted and it is still on my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
My payments of my mortgage is not being processed properly and it looks like my account is again falling into arrears incorrectly. This is very frustrating that TD Bank is again unable to properly process my payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-05 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: DISCOVER BANK
State: NY

Complaint narrative:
The following late payments are billing errors pursuant to 15 USC 1666b.

Under the GLB Act of 1999 nonpublic information such as late payments shouldn't be disclosed to any non affiliated third party such as credit reporting agency without my lawful consent 15 u.s.c 6802 --

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have sent all needed information to Transunion and XXXX to UPDATE late payments to ON TIME. The response I received from the companies is that they would be updated but checking my credit report as of today XX/XX/22 no updates have been made. That is False and misleading information being given to me and the negative items being furnished to my report is damaging my credit standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I have been contacted 2 times by Credence Resource Management and requested bills BOTH times and never get them. The first time I ask for a bill to be sent to be was when they decided upon them self to email it so it was probably deleted, the second call was when they did not send a bill bit offered to setttle the amount due for a different amount. 


The thing XXXX raised red flags for me was it is so hard to get this company to send a bill to my house with so much fraud going on I want to verify the debt not pay a settlement of something I never owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-05 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: PA

Complaint narrative:
Greetings, I have filed a complaint multiple times about fraud and Identity theft on their online platform. I have called and mailed disputes about the issues numerous times. I also have a police report about the matter. 

All three credit Bureau 's enabled the false reporting, after I expressed the issue to them, and they still continued to allow the false reporting Ignoring the FCRA LAW.

INQUIRIES ( IDENTITY THEFT ) 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 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 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 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 2022-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I applied for the Verizon XXXX card and I was approved with a credit line of {$3000.00}. On XX/XX/2022, I call to inquire why I didn't receive the Verizon XXXX XXXX card and I was advised by a representative that the XXXX card is offered to card members with a credit line of {$5000.00} and above and they also qualify for additional perks. 
On XX/XX/2022, I called to request the XXXX card and a representative advised me that it is no longer offered. I explained of what I was told and requested to speak with an account manager and he advised me that the XXXX card is only send to card members that they are approved with a credit line of {$5000.00} and above in the initial application process. I advised the manager that this is " Unfair and Deceptive Practice '', and the manager stated that he can not order a XXXX  card for replacement card, but I advised him that this is not a replacement card it's an upgrade card. I feel that I am not being treated fairly.

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