vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-28 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account number XXXX. XXXX XXXX account number XXXX. XXXX XXXX account number XXXX. XXXX XXXX account number XXXX 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. My disputes to reinvestigate these accounts came back verified without proper proof of verification. I sent validation letter to these collectors and they failed to respond on my requests to send me a proof that they have the authorize to collect the allege debt. attached copy of the validation letters. USPS tracking number 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 2022-07-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
Newrez/shellpoint raised my payment by about {$400.00}, or about 14 %. They've done this even though my homeowners insurance is the same for the last 2 years. They do this even though my real estate taxes went down by about {$600.00} per year. ( This was due to the approval of my XXXX XXXX XXXX veterans status by my colorado tax assessor ) I began the complaint process with them in XXXX. They take 6 weeks to respond and say their calculation is correct. They point their finger at me and tell me it's my responsibility to provide them with insurance and tax bills. Even though I've done this a dozen times, showing that my payment should have been lowered, they do nothing. 
They send secure messages but when I try to open them, I get expired link errors. 
It just appears that they've been operating with impunity. I world change mortgage servers but the interest rate rise keeps me from doing that. 
Please help. At the very least they should be sanctioned for their actions. Doing this to a XXXX veteran on a fixed income is very scary. With all the increases found today, an incorrect raising of my home payment is scary to me, a person on a fixed income. 
Thank you for your.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: TX

Complaint narrative:
There are inquiries on my credit report that I did NOT benefit from and that I did NOT authorize, they must be deleted. This constitutes as fraudulent activity due to the unauthorized use of my credit card ( social security number ). I have reached out numerous occasions this year alone ( XX/XX/2022, XX/XX/2022, XX/XX/2022 ) about such issue and this will be the last time before seeking legal action. As I told You ( " EQUIFAX '' ) before, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give you ( " EQUIFAX '' ) permission to furnish this this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b which constitutes as fraudulent activity and is also a serious breach of my privacy rights. I have demanded you ( " EQUIFAX '' ) validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature you have not and seems as if you can not. I've demanded you ( " EQUIFAX '' ) to produce a contract between you and I, consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. You have not and seems as if again can not. In absence of such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. If my demands are not met then legal action will be taking for damages due to lack of compliance. If you ( " EQUIFAX '' ) will not abide by the laws that govern you I definitely don't want to do business with such company and will request my information be removed from your records. 

THIS IS MY LAST TIME REACHING OUT AND INFORMING YOUR COMPANY OF SUCH ACTIVITY. 

REMOVE SUCH INFORMATION FROM MY CREDIT FILE, IF NOT, THAN DELETE MY CREDIT FILE IN WHOLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: TX

Complaint narrative:
I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Also, update my personal information to my credit report. 
See attachment for the following : FTC Complaint form A copy of my Identity Theft Report proof of my identity ; a copy of my drivers license and Social Security card Proof of address A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I consumer ( XXXX XXXX ) reached out to all credit bureaus requesting that this Bankruptcy to be removed from my credit report which is in violation like the mentioned below 15 USC 1681 ( A ) ( $ ) Infringed upon a consumer right 's to privacy 15 USC 1681 ( b ) ( A ) ( 2 ) No permissible purpose/ No written instruction I have included documentation to prove that this was not and should not be on my credit report. All information on a consumer is to be verifiable and accurate. I have tried to resolve this matter but no update to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I consumer ( XXXX XXXX ) reached out to all credit bureaus requesting that this Bankruptcy to be removed from my credit report which is in violation like the mentioned below 15 USC 1681 ( A ) ( $ ) Infringed upon a consumer right 's to privacy 15 USC 1681 ( b ) ( A ) ( 2 ) No permissible purpose/ No written instruction I have included documentation to prove that this was not and should not be on my credit report. All information on a consumer is to be verifiable and accurate. I have tried to resolve this matter but no update to my credit 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 explanation
Consumer complaint received 2022-07-28 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account number XXXX. XXXX XXXX account number XXXX. XXXX XXXX account number XXXX. XXXX XXXX account number XXXX 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. My disputes to reinvestigate these accounts came back verified without proper proof of verification. I sent validation letter to these collectors and they failed to respond on my requests to send me a proof that they have the authorize to collect the allege debt. attached copy of the validation letters. XXXX tracking number XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account number XXXX. XXXX XXXX account number XXXX. XXXX XXXX account number XXXX. XXXX XXXX account number XXXX 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. My disputes to reinvestigate these accounts came back verified without proper proof of verification. I sent validation letter to these collectors and they failed to respond on my requests to send me a proof that they have the authorize to collect the allege debt. attached copy of the validation letters. XXXX tracking number XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I requested that a signed document with my handwritten signature be sent to my mailing address to verify my account however the signed document was never sent.

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 2022-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I requested that a signed document with my handwritten signature be sent to my mailing address to verify my account however the signed document was never sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: HI

Complaint narrative:
my mortgage is with XXXX XXXX XXXX XXXX since XXXX of 2020 I have never heard XXXX XXXX XXXX  ( please see screen shot of my TransUnion credit account attached ) Please delete this false, erroneous & harmful information from my credit profile as soon as possible as this not only incorrect but is also impacting me in a negatively as I can potentially be denied employment and or housing do this affecting and impacting my credit so profoundly. 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 explanation
Consumer complaint received 2022-07-28 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: Credit Karma, LLC
State: FL

Complaint narrative:
Credit Karma advised me today that an email XXXX went in and checked my report from XXXX thru XX/XX/XXXX. I asked credit karma how an entity can just get into an account and look over and over no response yet. I would like to know who this email belongs to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I had a credit card with American Express I enrolled the relief program to payoff the credit card. I did enrolled long term program over 12 months. I payoff before the 12 months. They told me I was not able to use the card til is payoff but Ill be able to use it after program end. Now is not the case. They are telling me that I need to re apply for a new card

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: HI

Complaint narrative:
I received a statement in the mail from this " Credit Collection Services '' several months back so on the very first letter I immediately took action & called them I told them I did not recognize this account & it was not mine & they needed to stop harassing me & to cease & desist and whoever I spoke to on the phone apologized for their mistake & said they would remove this & not call me or mail me stuff anymore. I wish I would've gotten their name cuz I THOUGHT that was the end of it. A few months later I got something in the mail AGAIN, so I had to call a SECOND time & AGAIN whoever I spoke to on the phone said sorry for the inconvenience & that they would not be bothering me anymore. 
Now last night I get a notification from XXXX that I now have a collection on my credit report!!??? 
I DO NOT recognize " Credit Collection Services '' as an authorized creditor nor do I have any contract or agreement with them, unless they can produce an original instrument for what ever this so called debt they are trying to collect on from me in the amount of {$83.00} then this so called debt should be NULL & VOID. 
Produce an original instrument OR remove this harmful & false information from ALL credit reporting agencies which you have reported me to asap or I will be seeking any and all legal avenues & seeking compensation for financial damages.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: NY

Complaint narrative:
I requested that a signed document with my handwritten signature be sent to my mailing address to verify my account however the signed document was never sent.

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 2022-07-28 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: FL

Complaint narrative:
I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : XXXX : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax inquiries : XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I have been a consumer client of American Express since XX/XX/2021. All of my payments have been paid on time on or before the due date. 

American Express is violating my consumer rights by reporting inaccurate data on my XXXX and XXXX consumer reports. 

I have repeatedly disputed the late payments with my verified method of payment bank statement which proves that I made two payments to American Express in the month of XXXX satisfying XXXX 's payment and XXXX 's payment. However only on XXXX and XXXX American Express if reporting my late for those two months. 

I have sent over the statements to American Express as well as to the CRA 's and nothing has been updated accordingly and so I am reporting this deceptive and abusive debt collection act to the CFPB in hopes of having the CRA 's and American Express fined for damaging my credibility and causing my severe duress and loss of extension of credit. 

I have attached the XXXX XXXXXXXX XXXX  statements to this complaint. Thank you and have a good day!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
Talking to other people bout this and not me! Keep saling the loan and threaten me bout being sue and losing jobs!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
On XX/XX/2022 my car was repossessed and I made a payment of {$2800.00} to get my car back. On XX/XX/2022 a chargeback was filed for the transaction with my bank ( XXXX  ) without my permission and then the chargeback was denied the next day. The loan company, American Credit Acceptance, still shows on my account that the payment was reversed and they are now threatening to take my car away. I never received the funds back and neither has the bank. I have spoken to both American Credit Acceptance and XXXX countless times and neither of them state that they have the funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: TX

Complaint narrative:
I have reached out numerous occasions this year alone ( not even adding the times I reached out about this same concern last year ( XX/XX/2022, XX/XX/2022 ) about such issue and this will be the last time before seeking legal action. 

As I told and asked You ( " TRANSUNION '' ) before, I did not authorize anyone employed by these companies to make any inquiry and view my credit report, and to validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature you have not and seems as if you can not. 

In addition, I did not give you ( " XXXX '' ) permission to furnish this this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 

I've demand you ( " TRANSUNION '' ) to produce a contract between you and I, consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. You have not and seems as if again can not. 

In absence of such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 

If my demands are not met then legal action will be taking for damages due to lack of compliance. If you ( " TRANSUNION '' ) will not abide by the laws that govern you I definitely don't want to do business with such company and will request my information be removed from your records. 


THIS IS MY LAST TIME REACHING OUT TO REMOVE SUCH INFORMATION FROM MY FILE BEFORE I SEEK LEGAL ACTION AND DAMAGES. 

YOU HAD 30 DAYS TO INVESTIGATE FROM THE DATE OF XX/XX/2022 IT IS NOW XX/XX/2022 TIME IS UP and you have yet to produce any type of verification so I demand Inquiries be deleted/removed. 

Send such deletion verification to my address ( updated credit file ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-28 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:
I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Also, update my personal information to my credit report. 
See attachment for the following : FTC Complaint form A copy of my Identity Theft Report proof of my identity ; a copy of my drivers license and Social Security card Proof of address A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

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