vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-06 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: MS

Complaint narrative:
The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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. 


The bureaus did not remove the previous late payments and permantly close the account which is harming me and causing injury.

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 2022-07-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
On or about XXXX XX/XX/XXXX, Freedom Mortgage issued a ESCROW Refund Check # XXXX for the amount of {$1900.00} for account loan number XXXX in which was my previous loan with Freedom Mortgage. I had a escrow overage for the aforementioned amount and was due that amount to be refunded to me. Freedom informed me XXXX XX/XX/XXXX they mailed a check for the aforementioned amount to my home address and subject property, XXXX XXXX XXXX, XXXX, VA XXXX. I NEVER RECEIVED THE CHECK AND OR CORRESPONDENCE IN REGARDS TO THE CHECK UNTIL XXXX XX/XX/XXXX. Freedom Mortgage informed me that because the check WAS NOT CASHED, they ( FREEDOM MORTGAGE ), APPLED the refund to my current mortgage with them for account # XXXX, in which I was informed there was an escrow shortage. I have called on numerous occasions since receiving the letter from Freedom in XXXX to seek resolution in regards to my refund. My last conversation was with a rep named XXXX XXXX, Agent ID ( XXXX ) XXXX on XXXX XX/XX/XXXX in which XXXX XXXX assured me ( XXXX XXXX XXXX, that he would escalate my concerns to higher up and provide resolution by XXXX XX/XX/XXXX. XXXX XXXX did not and has not followed up with me as of today 's date. I called on XXXX and XXXX XX/XX/XXXX and was told XXXX XXXX would call by XXXX a.m. on XXXX XX/XX/XXXX. THAT DID NOT HAPPEN!!!

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 2022-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: OR

Complaint narrative:
Early XX/XX/XXXX ' I noticed a delinquent amount of {$1800.00} on my credit report from company Credence Resource Management. the only reference I could locate was " XXXX XXXX XXXX  '', this doesn't align with anything I have a record of. I disputed this charge via credit agencies XXXX and XXXX and I also sent a certified letter to Credence on XX/XX/XXXX requesting further information about this debt as I never received a notification ( mail or phone ) from them. I have confirmation that they received the certified letter on XX/XX/XXXX requesting further details, but no further information was provided. On XX/XX/XXXX I called Credence at XXXX and talked to a representative requesting further information. I confirmed with the rep they did not have any of my contact information for this debt ( mailing address/ phone number/email ) and the only thing they could tell me was the charge is associated with an account opened with XXXX on XX/XX/XXXX. I do not now or have ever had an account with XXXX, yet they insisted it was my account even though they provided nothing that ties me to the account. I requested they provide in writing all the information they have associated with this, but as of yet nothing has arrived. 
Not sure what more I can do to get this cleared. I have put a lock on my credit in case this is associated identity theft. Any help is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XXXX I was contacted on a social media planform for romance marriage. He used a fake name XXXX XXXX. Birth place in Texas and race XXXX. All false. 
I was scam instead to send wire transfer to XXXX while he caught Covid-19 Respond Unit and to pay his medical bills because his bank account was frozen and he promised he will pay me all the wire transfer sent to XXXX XXXX XXXX XXXX XXXX while being treated form Corvid-19 for over XXXX He was suppose to be XXXX in XX/XX/XXXX. His doctor XXXX XXXX XXXX and his driver XXXX had passed away was the culprit scammer. He kept on asking to pay thru wire transfer before he will be discharged. Kept asking more and more till excited to {$400000.00}. If he ( us ) won't pay he will be sent to detention center of immigration in XXXX. Ones the medical pay will be paid then he will be discharged and able to come back home. It was all a lie.

I have all the wire transfer documents.

Please advise.

They posted fake photos of other attractive men and used as treating physicians. They were all fake. And there where all done in USA. To identify them by the phone number they used on

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-06 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: MOHELA
State: TX

Complaint narrative:
CREDITOR. MOHELA./ DEPT OF ED Please see comments. 
This account has never been in dispute. I never had problems paying and paid it off early.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: SC

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 rights to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also stated a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: Conn's, Inc.
State: TN

Complaint narrative:
My account status on my XXXX report currently shows that the account is deragatory. However, this account has been paid off since XX/XX/2021 and should reflect closed instead. 
Acct : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: IL

Complaint narrative:
N Accordance with the Fair Credit Reporting act XXXX  Account # XXXX / XXXXXXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX US Dept Of ED Account # XXXX US Dept of ED Account XXXX XXXX US Dept of ED Account XXXX XXXX US Dept of ED Account XXXX XXXX US Dept of ED Account 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.

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 2022-07-06 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: IL

Complaint narrative:
N Accordance with the Fair Credit Reporting act convergent Account # XXXX / XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXXt XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX US Dept Of ED Account # XXXX US Dept of ED Account XXXX XXXX US Dept of ED Account XXXX XXXX US Dept of ED Account XXXX XXXX US Dept of ED Account 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Creditor. XXXX XXXX XXXX The account was paid and they are removing the chargeoff status to all 3 credit bureaus.

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 2022-07-06 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: TN

Complaint narrative:
My account status on my Transunion report currently shows that the account is deragatory. However, this account has been paid off since XX/XX/2021 and should reflect closed instead. 
Acct : 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 2022-07-06 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:
In accordance with the Fair Credit Reporting act XXXX XXXX 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

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 2022-07-06 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: TX

Complaint narrative:
creditor. XXXX XXXX XXXX Please remove all comments including consumer statement

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 2022-07-06 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:
creditor. XXXX XXXX XXXX Please remove all comments including consumer statement

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ

Complaint narrative:
In XXXX of XXXX, I did a Covid forbearance with my Mortage Company, PENNYMAC LOAN SERVICES , LLC XXXX XXXX XXXX XXXX XXXX, CA XXXX. I did not make a payment for XXXX, XXXX, and XXXX and was told that the payments missed would become a 2nd mortgage interest-free and it would be paid when I sold my house. In XXXX of XXXX, I started to make my monthly payments again. I now have a loan statement that shows today in XXXX I have paid Principal {$5600.00} Interest {$5300.00} Escrow ( Taxes and Insurance ) {$3700.00} Fees {$7300.00} Credit Balance {$4400.00} When I call to inquire about the {$7300.00} I am told it was a mistake and they corrected it. It has not been corrected. I have requested a breakdown of the fees and was again told that it was payments missed allocated. I have requested a letter stating that the correction has been made and where the money was re-allocated and that the interest has also been corrected since the daily interest charges. I was told that that wasn't true interest doesn't work like that on a mortgage. I requested to speak to a supervisor and was left on hold for XXXX minutes then he came back and stated that no one was available but again assured me everything was fixed. 

You will see in the documents I am attaching that the documents and the online information do not reconcile and have different information on them. 

Also anytime I have made an overpayment and requested it be applied to my principal they have applied it to a suspense account and not reduced my principle to reduce my daily interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Many hard inquiries have recently been reported on my newly established credit without my knowledge or consent. It is really impeding my ability to obtain financing, or even get small approvals. I have attempted to contact these companies via phone and email and no proof has been shown that I, myself, was the one who opened the accounts. Please remove them immediately after investigating. 

XXXX XXXX- XX/XX/XXXX Capital One XXXX XXXX- XX/XX/XXXX I have no knowledge of these companies on my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Barclay 's Aviator card has very strict late payment policies to the point that even if a payment is one day late, they will report it to the credit bureaus as a late payment. I pay my accounts on time almost always, but sometimes life happens and I forget although I've set up several alerts so it doesn't happen. I thought most companies did not report a late payment until it was 30 days past due, but Barclay 's will report it even if it's one day late. I am happy to pay late payment fees when I make a mistake but getting a hit to my credit score and credit report is quite damaging when I work so hard to keep my score up. This company does not seem to be consumer friendly in this regard. I'm unsure if anything can be done but I feel these business practices are quite nefarious considering that their policies are the exception, not the rule and consumers should be allowed at least a 10 day grace period, if not the full 30 days to rectify their oversight. Once I realized it was late, I paid it in full... it was such a small balance to begin with that the reporting to credit agencies seems quite extreme.

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 2022-07-06 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:
I am writing to delete the following information in my file, the items i need DELETED are listed in the report. I am a victiim of identity theft and it is damging my livlihood. I demand that you remove these items from my consumer report. I also reported the theft of my identity to the Federal Trade Commission & enclosed copies of the Federal Trade Commissions identity theft affivdavit. Remove these items immediatly or my attorney will be involed.

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 2022-07-06 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: PA

Complaint narrative:
I am writing to delete the following information in my file, the items i need DELETED are listed in the report. I am a victiim of identity theft and it is damging my livlihood. I demand that you remove these items from my consumer report. I also reported the theft of my identity to the Federal Trade Commission & enclosed copies of the Federal Trade Commissions identity theft affivdavit. Remove these items immediatly or my attorney will be involed.

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 2022-07-06 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: CA

Complaint narrative:
I have submitted an identity theft report to the three credit bureaus with all of my fraudulent account and inquiries since I was out of the country I have had fruadulent bank accounts, credit cards and inquiries that are not mine.

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 2022-07-06 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:
This is reported with inaccuracies. It's reported 3 times. I sent all 3 bureaus a dispute and asked them to do a full investigation, verify, and remove the incorrect information. After I received their results with no changes I did my own due diligence I found improper inaccuracies remained as derogatory on my reports. The 3 credit bureaus did an improper investigation. 

According to the Fair Credit Report Act Account # XXXX violated my rights - 15 USC Section 6028 States that I have a right to privacy. 15 USC 111681 Section 0 604 Section 2 also states the consumer reporting agency can not furnish an account without my written instructions. 


Show less Item name XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Identification number XXXX Claim amount Not reported Date filed XX/XX/XXXX Status XXXX XXXX bankruptcy dismissed. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Address identification number XXXX On record until XXXX XXXX Liability amount Not reported Date resolved XX/XX/XXXX Responsibility Individual Reinvestigation information This item remained unchanged from our processing of your dispute in XX/XX/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 2022-07-06 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: TX

Complaint narrative:
Creditor. XXXX XXXX XXXX The account was paid and they are removing the chargeoff status to all 3 credit bureaus.

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 2022-07-06 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: TX

Complaint narrative:
Creditor. XXXX XXXX XXXX The account was paid and they are removing the chargeoff status to all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
XXXX I called XXXX XXXX to see a copy of the original bill but they stated that they no longer have it on record and I should talk to the debt collector XXXX I called Sunrise Credit Services to see a copy of the bill. They stated that it was sent to me at my current address since XXXX but I have not received the bill. This is the 3rd time that I have asked to have it mailed to me. I was given my account number but when I log into the website there is no itemized info about the bill. 

The amount that is being collected is certainly higher than what the original utility bill was and I'd like to see it itemized because I don't believe I should owe that full amount. 

I have also been contacted 2 days after already speaking to a representative which is more often than is allowed.

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