vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-31 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 contacted TransUnion regarding an unauthorized hard inquiry on my consumer file. TransUnion did not properly investigate the dispute. The telephone number listed on the inquiry is a non-working number. Additionally, the company claimed they did not request my credit profile although it shows up on my TransUnion consumer file. 

Furthermore, I called TransUnion again to inquire about receiving {$1000.00} compensation for the false reporting. I received a callback from XXXX on XX/XX/2021 before XXXX PT. XXXX removed the inquiry but stated I could not be compensated just because I asked. TransUnion violated the FCRA and I am entitled to compensation.

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 2021-08-31 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: VA

Complaint narrative:
I gave dispute multiple times no changes have been made accounts have be duplicated late payments appear that shouldn't due to covid-19 I've paid off debt and have not gotten any of my points back

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 2021-08-31 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: VA

Complaint narrative:
I gave dispute multiple times no changes have been made accounts have be duplicated late payments appear that shouldn't due to covid-19 I've paid off debt and have not gotten any of my points back

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 2021-08-31 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: GA

Complaint narrative:
Please help me with something. Equifax has they investigated. An account on my report from XXXX XXXX XXXX for the amount of XXXX!! I have a few problems with this, 1. Im a victim of identity theft!! 2.. Ive never done business with XXXX  or entered into a signed contract with this company!! 3. On XXXX XXXX XXXX delete account from my report. But Equifax sends a letter saying its verified. Equifax how did you verify, who did you speak with at the company, what proof did you receive showing I owe this debt. Per the FCRA you must report true and accurate information and you are in violation. I will just have to seek legal counsel, because you Equifax keep ignoring me!! Please see attached FTC report!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XXXX  asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report 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 2021-08-31 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: CAINE & WEINER COMPANY, INC.
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX CAINE WEINER ( Original Creditor : XXXX XXXX  ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
On XX/XX/2020 at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IN XXXX I order new XXXX XXXX, on XXXX XXXX I missed my appointment, The XXXX XXXX never called me back to set my appointment to size and pick up XXXX XXXX {$410.00} dollar. I recently just noticed my account has been sent to collection for amount of {$410.00} dollar to XXXX XXXX. I informed the collection agency that this information was inaccurate. As a result of not receiving XXXX XXXX product. its very contradictive for me to pay for a product that I haven't received. From my understanding this a violation of consumer rights. I speak with XXXX XXXX about picking up XXXX XXXX since the account been sent to collection. They informed me that I needed to pay for the XXXX XXXX throw XXXX XXXX collections to receive XXXX XXXX from XXXX XXXX office. The account is in Collection with XXXX XXXX and been write off to collection from XXXX XXXX office, for a product i haven't received. as a consumer, I have the right to inspected product and verify that product meet my need as consumer. Nor can set appointment to verify the product meet my medical needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. UNKNOWN - Account # XXXX* ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX, XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. VERVENT/TBOM on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
Hello my complaint is against Mr. Cooper ( AKA Nationstar ). I am in a covid-19 forbearance and Mr. Cooper fails to adhere to the new FHA guidelines I have contacted them as well as a Hud housing counselor who i believe is being paid off by them as she is clearly no help an quite rude. Mr. Cooper states that i am not eligible for a deferment as my loan was not current at the start of the pandemic. FHA has updated it's eligibility requirements as of XX/XX/2021 and XX/XX/2021 and Mr. Cooper refuses to adhere to them. Please help. I have included the updated bulletins below

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: MI

Complaint narrative:
I looked at my consumer report and saw that Experian had violated my rights as a consumer. I then mailed Experian an affidavit of facts, and letter of validation pertaining to the inaccurate information on my consumer report a month ago, and still have yet to see receive a response from them. On XX/XX/01 at XXXX I then called Experian and got connected to a specialist for consumer disputes named XXXX she named the accounts that I have disputed and the results were to have these fraudulent accounts remain still sitting on my consumer report from their investigation for a few while others were still left pending. I specifically told her that in the FCRA Congress states in 15 U.S. Code 1681a ( e ) that they would have to do interviews with my with neighbors, friends, or associates, and can not include specific factual information on a consumers credit record obtained directly from a creditor. She then connected me with a lady by the name of XXXX who came off ignorant, while being very rude and disrespectful with me over the phone using obscene and profane language towards me. After I said that my consumer rights have been violated under the Fair Credit Report Act. I specifically told her that I want these inaccurate accounts, and inquiries immediately removed from my consumer report. I am the consumer and according to 15 USC 1692 I do not owe any debt because I am the consumer and Im not obligated to pay. I told her pursuant to 15 USC 1681B ( a ) Congress says that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates. Which is myself the consumer and I do no not owe any debt and these are my written instructions to you right now to remove these inaccurate accounts from my consumer report. She then said I dont know why you guys keep calling here trying to use this with what you are talking about, these accounts are not getting deleted, and fine to take us to court, and good luck. I then told her pursuant to 15 U.S. Code 1681n - Civil liability for willful noncompliance. You are civically liable for violating my consumer rights on this phone right now, and I have you recorded. I will be sending an invoice for damages from all of the violations your company has done to me thus far. I then requested her to put her supervisor on the line. She then said the supervisor will call me in a few hours and hung up the phone and which was a lie because I did not receive a call.

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 2021-08-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
On XX/XX/2021 I paid this loan off from selling it. The purchaser paid me in cash, and when I spoke to Ally originally they said I have the title in 4 days. So I get looking on the website after logging into our account and see that that was true if paid by cashiers check or certified funds. Otherwise it would be up to 10 days. Well this day 14, the lien still hasnt been released.

I called yesterday and I basically got the runaround from someone saying well yes the release can take up to 10 days to process and itll take another 7 to 10 days to get the letter of release. Thats not what I was told originally and it SAYS right on the website ( see attached picture ) that it takes TEN days, not 14, not 10 plus another 7 to 10. 

All titles here now are electronic when it comes to liens, All I need is the stupid letter to release the lien, clearly after 14 days the funds have more than cleared the bank. I have the buyer breathing down my neck about this as well. This is ludicrous.

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 2021-08-31 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: NJ

Complaint narrative:
I noticed a few inquiries on my credit report that I do not recognize

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 2021-08-31 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have previously disputed reference XXXX with TransUnion and in response they stated they verified the item as accurate, stating that they verified this with the courts. I contacted the court and there response is enclosed. It is clear that they do not report to TransUnion or any other credit bureaus for that matter. Therefore their original response of verifying the item with the court was either an error or false. Either way the reporting requirements verifying method does not comply with FCRA section 611 15usc 16811 and the item must be removed 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 2021-08-31 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: EQUIFAX, INC.
State: GA

Complaint narrative:
According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. 
I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I received a letter from Shellpoint Newrez offering a COVID-19 Payment Deferral Offer. The letter is dated XXXX. The following is a quote from the letter : We require a processing month for us to complete your payment deferral. Because you are 18 months delinquent, you must pay your current monthly contractual payment of {$2700.00} by XX/XX/21 in order for your payment deferral to become effective. 

On XXXX, I sent a check to Shellpoint.. After sending the check, I spoke a few times to various representatives as well as leaving messages with my assigned representative, Mr. XXXX. I was informed via phone by a representative in XXXX that the deferral was being processed. 

On XXXX, I received a call from XXXX XXXX that as of XXXX my loan is in default. Ms. XXXX verbalized that the COVID-19 Payment Deferral Offer has been rescinded despite the stipulation of making a current monthly mortgage payment of {$2700.00} by XXXX so that the deferral offer can become effective. 

I am an XXXX XXXX. My civil rights has been violated by Shellpoint Newrez. The company actions towards me are discriminatory, pernicious and predatory. Also, their actions are deceptive and unscrupulous. There is a disproportionate rate of foreclosures among XXXX Americans due to mortgage servicers like Shellpoint.

To reiterate, the servicer was dishonest and predatory. The servicer had no intentions to honor the COVID-19 Payment Deferral Offer or comply pto their Terms of the Payment Deferral. 

Please review the attached XXXX Payment Deferral Offer and canceled check.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: TX

Complaint narrative:
On XXXX XXXX XXXX, XXXX XXXX XXXX in XXXX Texas let someone who was not me withdraw {$7100.00} out of my personal checking account with NetSpend. I have fought NetSpend ever since and now they are saying that the deactivation and activation of the cards used that morning was completed on my current phone. This is lies and not true at all. The lady who works at XXXX XXXX XXXX knows that I did not come into that store that morning. I have people who are home with me that knows I was asleep when these transactions happened. Now NetSpend will not help me get my money back.

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 2021-08-31 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: NJ

Complaint narrative:
I noticed a few inquiries on my credit report that I do not recognize

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 2021-08-31 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: NJ

Complaint narrative:
I noticed a few inquiries on my credit report that I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I attempted to dispute the addresses on my file because I have never stayed at the locations they have listed.

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