vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
On approximately XX/XX/2022 I paid off my XXXX credit card and had zero utilization. At that time I had a credit score in the range of XXXX on all 3 bureaus. However, as soon as I paid my credit card off, XXXX informed the credit bureaus ( although it was after they had already completed an updated report to the bureaus at the end of my billing cycle on XX/XX/XXXX ). On approximately XX/XX/XXXX, and again on XX/XX/XXXX, my scores on ALL of the bureaus dropped between XXXX XXXX points and the reason given was because I had a zero utilization rate on 1 of my credit cards. I have a mortgage, car note, credit cards and other mixes of credit that I have been paying timely and often more than is requiredyet the credit bureaus and their scoring algorithms have punished me for paying off a card that was subsequently given an automatic limit increase. So, now my score has been damaged all because I paid my credit card down to zero. I didnt close the accountI just paid it off. The bureaus wouldnt give me any other help or explanation other than to read my credit report thoroughlywhich I do on a weekly basis, so I didnt need them to offer that useless advice. Subsequently, I decided to increase my utilization rate to 3 percent in hopes that the new utilization would increase my scorebut NOit dropped it an additional 2 points, so Im absolutely and totally confused as to how the credit bureaus and scoring algorithms can drop a consumers scores when NOTHING changed on their credit history other than paying off the card. This makes absolutely no sense to me and it is as though the bureaus and their scoring algorithms are intentionally vague and convoluted in order to keep customers in debt. According to everything I have read, my score should not have decreased for paying in a timely manner, especially when there were no other factors involved. It is criminal how the credit bureaus and scoring algorithms are allowed to exploit consumers to keep them in bondage and paying outlandish interest rates.

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 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
1. The following personal information is incorrect Also Known As : XXXX XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2015 XXXX XXXX XXXX XXXX, GA XXXX 3. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-04-14 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: GA

Complaint narrative:
1. The following personal information is incorrect Also Known As : XXXX XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2015 XXXX XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXXXXXX 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 2022-04-14 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: MO

Complaint narrative:
I was a renting an apartment. My lease ran out. 2 differnt groups bought the apartment complex after my lease was up. I had no problems until I was late on payment 1 time by 3 days. Apon getting the notification I payed in full with all late fees. After I recevied a XXXX dollor late fee notice. The next month i recived a {$140.00} late fee notice, a letter that said I owed the previous company, then a letter saying i had no lease, and several illegal threats of eviction. I asked for proof of me owing the previous company, they sent their ledger which started with a late charge and no explination why. It had several mathmatical errors. I sent back a list of errors. They then falsafied the ledger to try to hide their attempted fraud. I had enough moved out, turned in keys. Two months later they called and threatened to evict me however i didnt live their for two months. I then attempted to talk it out over email with them. They figured out I was documenting there illegal acts and refused to talk to me. This company usally takes people to court, however in my case since I have evidence of their fraud and it would cost me more to take them to court than the debt itself, they used the XXXX credit bureaus as their fraud enforcement. I have submitted enough evidence to prove what I have said, and even gottin a letter from them saying that the colloecter can not prove im incorrect, however they are more than happy to remain as fraud enforcement lackys. So i guess if you want to defraud someone just open an llc, make false ledgers, then sell your false ledgers to a debt collector and the credit bureau XXXX will back you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-14 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: NY

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I went on XXXX to find an apartment to rent. Someone offered an apartment and asked for a {$1300.00} deposit first so they could give me the keys. After a week of no update on the keys, they stopped responding to my messages. I went to my bank to try and fix the issue, but they said that since it was a willing transfer that I couldn't get it back through the bank. However I was lied to and paid money for an apartment without ever receiving entry to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute unauthorized inquiries on my credit report. I retrieved a copy of my credit report from your organization and noticed a credit inquiry that I did not authorize. I have submitted multiple complains and can not seem to get these REMOVED. These are not mine, remove asap from all credit reports. 

XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXXXXXX XXXX ( XX/XX/XXXX ) XXXXXXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) I have attached my IdentityTheft & FTC fraud reports to support this request.

At this time, I am requesting that you remove these hard inquiries immediately off my report. Per my FCRA rights, you have 6 business days to remove these inquiries that I did not authorize.

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 2022-04-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute unauthorized inquiries on my credit report. I retrieved a copy of my credit report from your organization and noticed a credit inquiry that I did not authorize. I have submitted multiple complains and can not seem to get these REMOVED. These are not mine, remove asap from all credit reports. 

XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXXXXXX XXXX ( XX/XX/XXXX ) XXXXXXXX XXXX  ( XX/XX/XXXX ) XXXXXXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) I have attached my IdentityTheft & FTC fraud reports to support this request.

At this time, I am requesting that you remove these hard inquiries immediately off my report. Per my FCRA rights, you have 6 business days to remove these inquiries that I did not authorize.

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 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act convergent account XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX and 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 602 A Section 2 : it also states consumer reporting agencies can not furnish an 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 2022-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
I had my identity as well as fraud on my checking and credit card accounts. I had reported the fraud and actually contacted the merchant and asked them to please close the account as it is not me that is using the account. All of which I have proof of. I thought it was done and the same business is now trying to get me to pay back the fraud charges that were not mine. I have been contacted by Caine and Weiner debt collector a lady named XXXX who will not respond to me and my requests and t have a supervisor reach out to me, According to the banks as there were 2 involved and the credit card companies the case is closed and I have submitted the proof that it was not me and that I am being harassed and Caine and Weiner will not close the case but has no reason to keep it opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
I have been working with a HUD counselor since XX/XX/XXXX to complete a Partial claim modification with my mortgage company, Flagstar Bank. I was approved for the modification in XX/XX/XXXX and sent paperwork. After review by my HUD counselor he determined the structure of the modification was not accurate and I was not given the full partial claim and that my payment was too high and not affordable. We have been trying to resolve this for 5 months now. I have asked Flagstar for a review of the terms and to adjust the terms pursuant to FHA/HUD guidelines of the the Partial Claim Modification guidelines and they have done nothing but ignore my request. These request require that Flagstar Bank acknowledge me within 30 days and not once during this process has anyone from Flagstar communicated with me. I have now been sent a default and intent to accelerate notice. Below is the breakdown of events noted by my HUD counselor : 1 ) XX/XX/XXXX mod offer not accurate 2 ) sent QWR ignored for 2 months, denied assistance told he didnt want help 3 ) notified servicer of error that they did not review clients file, they acknowledged mistake and re-opened file XX/XX/XXXX and it should take a month to make a decision 4 ) calls from homeowner and myself to confirm review was taking place XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, we were told on numerous occasions that his situation was escalated and being looked at 5 ), call again yesterday XX/XX/XXXX to check on status of re-review rep told us mod was denied as PI increased, let her know this made no sense as initial complaint was to utilize full amount of Partial Claim 6 ) this is the reason for our contact to you, FHA/HUD to escalate this issue and help mediate the situation as there is still no resolution My HUD counselor has stated he has never worked with a Mortgage company like Flagstar that ignores the laws and guidelines set forth by FHA/HUD to support and assist consumers. Flagstar is negligent and ignoring my rights and is intending to foreclose on me. I am permanently XXXX and my wife and I are on a fixed income. This is why the full Partial claim modification is so important. If Flagstar does the numbers correctly within the guidelines I can afford to stay in my home. 
Please help...

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 2022-04-14 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: CA

Complaint narrative:
These are appearing on my credit file ( Hard inquiries ) they are fraudulent and were not authorized by me. ( 1 ) XXXX XXXX XXXX : Inquiry Date - XXXX / ( 2 ) XXXX XXXX  : Inquiry Date - XXXX / ( 3 ) XXXX XXXX XXXX XXXX : Inquiry Date - XXXX / ( 4 ) XXXX XXXX : Inquiry Date - XXXX / ( 5 ) XXXX XXXXXXXX XXXX : Inquiry Date - XXXX / ( 6 ) XXXX / XXXXXXXX XXXX : Inquiry Date - XXXX / ( 7 ) XXXX XXXX XXXX : Inquiry Date - XXXX. - End

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 2022-04-14 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: VA

Complaint narrative:
Experian removed the loans from affirm because they were fraud and then put them back on my credit report. 
XXXX is still trying to collect for items returned and never refunded. This is fraud.

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 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
On approximately XX/XX/2022 I paid off my XXXX credit card and had zero utilization. At that time I had a credit score in the range of XXXX on all 3 bureaus. However, as soon as I paid my credit card off, XXXX informed the credit bureaus ( although it was after they had already completed an updated report to the bureaus at the end of my billing cycle on XX/XX/XXXX ). On approximately XX/XX/XXXX, and again on XX/XX/XXXX, my scores on ALL of the bureaus dropped between XXXX XXXX points and the reason given was because I had a zero utilization rate on XXXX of my credit cards. I have a mortgage, car note, credit cards and other mixes of credit that I have been paying timely and often more than is requiredyet the credit bureaus and their scoring algorithms have punished me for paying off a card that was subsequently given an automatic limit increase. So, now my score has been damaged all because I paid my credit card down to zero. I didnt close the accountI just paid it off. The bureaus wouldnt give me any other help or explanation other than to read my credit report thoroughlywhich I do on a weekly basis, so I didnt need them to offer that useless advice. Subsequently, I decided to increase my utilization rate to 3 percent in hopes that the new utilization would increase my scorebut NOit dropped it an additional 2 points, so Im absolutely and totally confused as to how the credit bureaus and scoring algorithms can drop a consumers scores when NOTHING changed on their credit history other than paying off the card. This makes absolutely no sense to me and it is as though the bureaus and their scoring algorithms are intentionally vague and convoluted in order to keep customers in debt. According to everything I have read, my score should not have decreased for paying in a timely manner, especially when there were no other factors involved. It is criminal how the credit bureaus and scoring algorithms are allowed to exploit consumers to keep them in bondage and paying outlandish interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
On approximately XX/XX/2022 I paid off my XXXX credit card and had zero utilization. At that time I had a credit score in the range of XXXX on all 3 bureaus. However, as soon as I paid my credit card off, XXXX informed the credit bureaus ( although it was after they had already completed an updated report to the bureaus at the end of my billing cycle on XX/XX/XXXX ). On approximately XX/XX/XXXX, and again on XX/XX/XXXX, my scores on ALL of the bureaus dropped between XXXX XXXX points and the reason given was because I had a zero utilization rate on XXXX of my credit cards. I have a mortgage, car note, credit cards and other mixes of credit that I have been paying timely and often more than is requiredyet the credit bureaus and their scoring algorithms have punished me for paying off a card that was subsequently given an automatic limit increase. So, now my score has been damaged all because I paid my credit card down to zero. I didnt close the accountI just paid it off. The bureaus wouldnt give me any other help or explanation other than to read my credit report thoroughlywhich I do on a weekly basis, so I didnt need them to offer that useless advice. Subsequently, I decided to increase my utilization rate to 3 percent in hopes that the new utilization would increase my scorebut NOit dropped it an additional 2 points, so Im absolutely and totally confused as to how the credit bureaus and scoring algorithms can drop a consumers scores when NOTHING changed on their credit history other than paying off the card. This makes absolutely no sense to me and it is as though the bureaus and their scoring algorithms are intentionally vague and convoluted in order to keep customers in debt. According to everything I have read, my score should not have decreased for paying in a timely manner, especially when there were no other factors involved. It is criminal how the credit bureaus and scoring algorithms are allowed to exploit consumers to keep them in bondage and paying outlandish interest rates.

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 2022-04-14 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: MS

Complaint narrative:
This is a notice that the Experian Consumer Agency Corporation has violated my consumer rights 'Under 15 U.S.C 1681b2 because I did not give written instruction for Experian Corporation to report any of my private information. why do yall ( Experian ) have a report and file on me? without my consent? without my written instruction? Delete this Account XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation