vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-02 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-06-02 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: AR

Complaint narrative:
As I investigated my credit report, I found out that there are informations that are erroneous. The 3 Credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-06-02 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: EQUIFAX, INC.
State: AR

Complaint narrative:
As I investigated my credit report, I found out that there are informations that are erroneous. The 3 Credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK

Complaint narrative:
Trans union and XXXX is showing old incorrect addresses on my report. I would like them removed please due to me no longer being at any of these addresses.

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 2023-06-02 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-06-02 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: CA

Complaint narrative:
This is to inform you that the accounts listed below are reporting erroneously & are inaccurate.The furnishers are reporting these accounts inaccurately. They informed me they had an internal issue & posted me past due. Please investigate these accounts & please update the accounts to a positive status of open/never late or paid as agreed/never late. Please provide me with all verifiable proof. 

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 non-monetary relief
Consumer complaint received 2023-06-02 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: TN

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 non-monetary relief
Consumer complaint received 2023-06-02 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: TX

Complaint narrative:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$6300.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$200.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$6300.00}

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 2023-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
On XX/XX/2023, I applied for an extension of My credit at State Employees credit Union. I was denied for credit history and basically I didnt make enough. I am devastated. After speaking with loan officer, I asked was she the underwriter, she told me No. After She spoke with her supervisor supposedly. She said it was my credit history and recent chargeoffs. I told her someone was working on my credit because someone fraudulently used my social security number. I then asked to speak with the underwriter. She replied I am the Underwriter. I then mentioned 12 Cfr 1002.4. I felt discriminated against. I also mentioned Title 15 subsection 1611 faults and misleading denial of credit. I asked for all the factors that played a role in this consumer transaction. She than said she didnt know what I was talking about. She havent heard those codes before. I told her if she was an underwriter Im sure someone mentioned them one time or another. I asked for a printout of the factors the played a role and denying me access to an extension of my credit. She said it would be mailed to me. I told her I was denied so it should be on the screen. I asked to speak with a manager who may know these codes. She then brought the bank manager in and she said we are sorry your denial is because of charge off and credit History. At this point I was heartbroken. I told her if its charged off they were paid so it shouldnt be on my credit and gave her my spill about fraudulent activity on my social security number. The manager told me something will be mailed to me. After leaving the bank, I thought I left my phone and four employees were huddling talking about this matter. Later that day I received a call that I can pick up paperwork Tuesday morning and She spoke to Vp of company and I was still denied. It was a Friday XXXX XXXX and it was a XXXX Monday.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: CA

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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 an 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Alliance CAS, LLC
State: GA

Complaint narrative:
I have tried to pay my HOA fees and have been denied on numerous occasions and blocked from the website the community uses I have asked for a meeting with the board and never recieved a response. I have made numerous offers to pay down my fees to bring them current and I'm constantly denied but paperwork is being processed and I have yet to be summons to court for a hearing. I have also been in contact with XXXX XXXX i reached out a month ago with making a payment offer that he is going to see if the board will accept my offer to pay once again I'm waiting on a response but as of today XX/XX/23 I received a foreclosure letter out of no where when I've been waiting on response from the board with acceptance offer made a month a no one is giving me the fair chance to make payments snd actually explain what's going on or have I been able to be in a hearing to explain my hardship. All I would like to do is bring my assessments current and be caught up. The Hoa is using illegal practices against its home owners and using an attorney that doesn't identify himself as a debt collector.

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 2023-06-02 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: MD

Complaint narrative:
I have incorrect information on my credit report. This is a DIFFERENT CASE, SEE ATTACHMENTS. I tried to get it investigated via mail on XX/XX/2023, however, Experian sent me an email stating that it was not me who sent the letter - BUT IT IS ME. Experian did not open disputes as requested. However, I called them and they said they could not process my letter dispute, they still haven't opened disputes to investigate. I will be attaching the email from them that they sent on XX/XX/2023 and the dispute letter that I sent on XX/XX/2023 originally. My license and utility bill are both in the attached document, so you have proof of address and proof of identity, as well. Thank you!

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 2023-06-02 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 called your department after I purchased a credit report with XXXX. XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were CHARGE OFFS accounts on my credit report. This is disappointing because I have been paying Experian.com to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these charge off including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as XXXX XXXX XXXX XXXX and 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 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
From about XXXX to XXXX I was the victim of XXXX XXXX  and my XXXX stole my identity and used my name for several years and things I was to afraid to tell him I knew what he was doing and didnt approve. He opened bank accounts in my name, had a couple leased houses in my name, some credit cards and was always trying to get loans. His name was XXXX XXXX he was finally caught and me and 5 other women were rescued. I went through a court diversion program called XXXX XXXX which provides victims with assistance and counseling, intended trauma treatment and even counseling services. I graduated from the program after a year on XX/XX/XXXX. My XXXX got XXXX XXXX XXXX XXXX for what hes done to me and the others but this has severely affected everything. My credit, my background, and many other things. I just want my life back to normal the way it was before I was XXXX XXXX XXXX and XXXX XXXX XXXX among many other things. So I would like this on record as to why I am struggling so hard with credit and banks and dealerships and I cant even rent my own apartment because he has 2 evictions in my name. I wanted a chance to tell my side of the story now that Im no longer his victim. I also have all kinds of hard inquiries on my credit that I need to get removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
On XX/XX/XXXX, I tried to sign into The Work Number to view my credit report. On XX/XX/XXXX, I called and got help creating account since it wasn't working the day before. We got further, but upon logging in, I now get a XXXX error no matter the browser or computer I use. The rep I spoke to said he'd get it over to his IT team and that they would probably " have it resolved today, but definitely tomorrow '' and that this was a " common '' error. That afternoon I followed the instructions to get the report by email. On XX/XX/XXXX, I got an email from XXXX that my ticket was being closed, but it was unclear what it was in reference to, or what had been solved. As far as I can tell, they did nothing. On XX/XX/XXXX, I sent another email asking about a report over email, and I tried logging in as well and still get the same XXXX error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-06-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Selene Holdings LLC
State: FL

Complaint narrative:
Servicer, Selene Finance ( Selene ) provided a mortgage statement dated XX/XX/2023, for my homestead property. This statement alleges a past due balance of XXXX. I am requesting that Selene produces written proof of how this total was derived ( i.e. periodic due dates and amounts, etc ). The statement also appears to reflect monthly escrow payments due in the amount of {$530.00}. In XX/XX/2023, I provided copies of property tax and homeowner 's insurance installment payments for the previous 2 years. In XX/XX/2023, I spoke with representatives at Selene and advised them of the pervasive error and reiterated that I have attempted on numerous occasions to have the accounting corrected. Although I have provided proof on multiple occasions that I pay my own homeowner 's insurance and property taxes, it is not being reflected on escrow statements and/or proofs of claim received from Selene or any of its predecessors ( XXXX, XXXX, XXXX. XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: FL

Complaint narrative:
I have recently reviewed my credit report and identified inquiries that I am not aware of where it came from. Listed below are the Inquiries appearing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Inquiry ) XXXX XXXX XXXX XXXX  ( Experian Inquiry ) XXXX XXXX XXXXXXXX XXXX XXXX Experian Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Experian Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Experian Inquiry XXXX XXXX XXXX XXXX Experian Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Experian Inquiry XXXX XXXX XXXX XXXX Experian Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please investigate and Delete these items on 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 non-monetary relief
Consumer complaint received 2023-06-02 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 called your department after I purchased a credit report with Experian. XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were CHARGE OFFS accounts on my credit report. This is disappointing because I have been paying Experian.com to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these charge off including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible.XXXX XXXX XXXX XXXX and 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