vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-04 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: MI

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 Account name : XXXX Account number : XXXX Original creditor : XXXX XXXX  Account name : XXXX XXXX Account number : XXXX Original creditor : XXXX XXXX XXXX Account name : XXXX XXXX  Account number : XXXX Original creditor : XXXX XXXX Account name : XXXX Account XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX ) 15 USC 1681 section 602 A. State 's I have the right to privacy 2 ) 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 3 ) 15 USC 1681 c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following item of information, other than records of convictions of crimes which Antedates the report by more than seven years 4 ) 15 USC 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 tht the information is accurate

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 2023-04-04 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:
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. 

Account name : XXXX # XXXX XXXX Account name : 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 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 or 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 2023-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Rent Recovery Solutions
State: IL

Complaint narrative:
This creditor ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, IN XXXX ) filed a collection ( Rent Recovery Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ) against me fraudulently claiming that I owe XXXX while they were in ligation with myself over the matter. They also falsely sent this collection to all three credit bureaus even though I replied to the collection letter and disputed the debt and provided court documents supporting the debt isnt owed in fact the creditor is indebted to me for illegially locking me out of my unit breach of lease and discarding all my belongings. The creditor continued to charge rent late fees and other unwarranted items submitted these claims to the collection agency and now is refusing to delete items from credit report and rental solutions, XXXX is refusing to honor court documents sent and continue to verify debt with collector despite court order and keep telling me to obtain a deletion letter from collector after I explained and provided documentaion to support my claims that it was fradulently filed and I dont owe the creditor. On XX/XX/XXXX in XXXX XXXX Small Claims Court XXXX XXXX XXXX XXXX XXXX XXXX case XXXX awarded me XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
A collection that I had no knowledge of and that does not belong to me was falsely leveled against me by Credit Collection Services in the amount of {$150.00} on XX/XX/XXXX, and the amount was updated to {$300.00} on XX/XX/XXXX. The original creditor was XXXX, and I have not opened an account with them either. The account is fraud. Further, I never received a notice of debt. I have filed a police report related to this incident.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: W&A Intermediate Co., LLC
State: SC

Complaint narrative:
Certified dispute letter mailed XXXX. Dispute letter received XXXX  Requested verifiable proof of consumer contract with signature that I had an account with this third party agency. Third party agency did not provide consumer contract with signature of account. It is within my right to file a formal compliant of dispute for the misrepresentation, fraudulent use and identity theft of my personal information regarding the XXXX law violations of this third party agency

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
A problem ultimately of Roundpoint 's making ( which I won't get into for the purposes here ), Roundpoint attempted an ACH on an account with insufficient funds. They told me that they would not charge me a late fee themselves, but they would pass along any late fee from the checking account holder ( XXXX XXXX Roundpoint has assessed a {$20.00} fee against me, claiming that XXXX has charged them for the ACH bouncing. 

I called XXXX, and they told me that they did not charge Roundpoint over this matter ( or any matter ). They also confirmed the ACH third-party did not charge them either. I asked for documentation on this matter, and the best they could offer is the general policy info. Thankfully, it is very clear : On page 1 of the attachment, under the bolded section header " Elimination of Return Deposited Items Fee '' it states : " Were no longer charging a Return Deposited Items fee. '' So, either XXXX is lying or Roundpoint is. Frankly, it seems clear to me that it is Roundpoint.

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 2023-04-04 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: NJ

Complaint narrative:
On XX/XX/XXXX i disputed the completeness and accuracy with XXXX and Equifax and i received reinvestigation results from each of them and there were very noticeable inaccuracies. They verified these accounts as accurate when each of the companies documents are reporting very different things. 

For XXXX and Equifax the account XXXX XXXX acct # XXXX the account has multiple violations and inaccuracies. 

1. They failed to mark the account as disputed even though they said the account in dispute was verified as accurate. They Violated 15 usc 1681s-2 ( a ) ( 3 ). XXXX is knowingly reporting this account without being marked as disputed when they are not allowed to do so. 
2. The payment history from XX/XX/XXXX to XX/XX/XXXX they are reporting the account 120 days late consistently every month when Equifax is reporting the same account as 180 days late consistently in the same time period. 
3. The payment status is incorrect. XXXX is reporting the payment status on the reinvestigation results as 120 days late or past due while Equifax is reporting 180 days late or past due. 


For the other XXXX XXXX XXXX  Acct # XXXX the account was not marked as disputed from either one and is a violation of 15 usc 1681s-2 ( a ) ( 3 ). To take it a step further XXXX is reporting the last update as XX/XX/XXXX when the reinvestigation results were issued to me on XX/XX/XXXX. This shows negligence and willful non compliance. 

These obvious inaccuracies are hurting my ability to obtain credit and i demand they be removed immediately from XXXX and Equifax. 

I have Attached the Letters i sent out on XX/XX/XXXX and the reinvestigation results from each company I have also attached My identification

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: IL

Complaint narrative:
I am trying to buy a house and getting denied this company is reporting collections on my account that are inaccurate and I did not give them permission or give them my information to report this on my credit report Hunter Warfield Inc is saying I owe {$2600.00} which is incorrect as this debt is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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, XXXX Act. # XXXX XXXXXXXX Act. # XXXX XXXX XXXX Act. # XXXX XXXX XXXX Act. # XXXX XXXX Act. # 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 2023-04-04 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: IL

Complaint narrative:
n accordance with the Fair Credit Reporting act, XXXX XXXX # XXXX XXXX Act. # XXXX XXXX  XXXX Act. # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I purchased a XXXX  XXXX in XXXX of last year and Wells Fargo said I was approved at first so I took the car home and I thought everything was fine so I paid a XXXX payment and the dealership called and told me that the bank turned the loan down but I had already made the payment.I returned the car and I called 7 or 8 times talking to a XXXX, XXXX and a few others all telling me that they would take care of it and get back to me and no one did.Every call took XXXX minutes just to try to get someone on the phone and with no luck I am trying this to hopefully get there attention.Please help me get my money back and that's all I want.

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 2023-04-04 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: NY

Complaint narrative:
I mailed 3 different letters to each Credit Bureau XXXX, XXXX and Transunion within the legal timeframe to give them time to investigate. I did not get any letters or responses from neither of them. First letters was mailed on XX/XX/XXXX to all 3 Bureau. Second Round of letters on XX/XX/XXXX and the last round of letters was sent on XX/XX/XXXX. I still have not heard anything from them.

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 2023-04-04 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: NY

Complaint narrative:
I mailed 3 different letters to each Credit Bureau XXXX, Equifax and XXXX within the legal timeframe to give them time to investigate. I did not get any letters or responses from neither of them. First letters was mailed on XX/XX/XXXX to all 3 Bureau. Second Round of letters on XX/XX/XXXX and the last round of letters was sent on XX/XX/XXXX. I still have not heard anything from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On Several occasions I've tried to handle this matter with TransUnion. I'm informing you that this matter is causing me financial hardship. For any such reason an appropriate legal and lawful response cant be provided will result to further action being taken. Failure to a response within 10 calendar days will constitute as your acceptance that this is not a valid debt. Please verify, validate that LEGALLY I am responsible for paying this alleged debt. A sample answer of " been verified '' doesnt constitute an appropriate lawful or legal response. PLEASE REMOVE THE FOLLOWING IMMEDIATELY XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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

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 2023-04-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I called a mortgage banker XXXX XXXX at XXXX XXXX XXXX XXXX XXXX TX. 

I applied for a home loan grant for down payment assistance. 

The banker ignored my calls and then referred me to other credit counselors after I got denied. 

After going to the counselors, they told me that he shouldnt have referred me to them as they can not help. 

The credit counselors believe the banker is practicing discriminatory actions towards me. 

This seems to be another story of an XXXX American being shun from mortgage programs

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 2023-04-04 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:
I did not give permission for XXXX XXXX or Transunion to report Bankruptcy on my report as this is damaging my reputation and stopping me from getting any approvals

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 2023-04-04 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: IL

Complaint narrative:
I did not give permission for Experian XXXX or XXXX to report Bankruptcy on my report as this is damaging my reputation and stopping me from getting any approvals

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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:
I did not give permission for XXXX Equifax or XXXX to report Bankruptcy on my report as this is damaging my reputation and stopping me from getting any approvals

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-04-04 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-04-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I am 100 % Service Connected XXXX XXXX XXXX, I had a bad XXXX  XXXX. I used my VA home loan to purchase a home. XXXX XXXX XXXX had been a great company to do business with, and I even paid my mortgage 2 months ahead. 

Unfortunately XXXX  was purchased by Shellpoint/NewRez and AFTER I told them I was a 100 % XXXX Vet, they added {$420.00} to my mortgage. 

I have called them numerous times without it getting fixed. I have two audio recordings with employee XXXX, and then another audio recording with employee XXXX is an accountant with Shellpoint and went through all the mortgage statements. She said she was unsure why or who added the {$420.00}, but that it was clearly a mistake. This conversation was back in XX/XX/2023 and I never got another call. I have received three letters all asking for more time " due to the complex nature ''. 

I refuse to pay XX/XX/2023 mortgage until this is fixed. Also, I am about to sell the condo. I will NOT PAY off my loan after I get the sale check unless this {$420.00} is taken off my loan debt. 

TAKING ADVANTAGE OF XXXX VETERANS IS DISGUSTING! 

XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation