vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-25 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX  XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 2022-04-25 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 2022-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I am having to deal with a Forced-Placed Mortgage at XXXX XXXX XXXX From XXXX, XXXX of this year. I was not aware that XXXX was purchased by XXXX XXXX and that my home owners policy would expire during this period of XXXX XXXX buying XXXX. I have been traveling to XXXX XXXX for work and this is XXXX of the main reasons I was not aware of policy termination from XXXX XXXX XXXX 

As soon as I was made aware of Home Owners Policy Cancellation, a new Home Owners Policy was purchased on XX/XX/XXXX for {$800.00} in annual premium. I was made aware by a written notice sent by Navy Federal Credit Union in late XXXX, with a notice to have proof of Home Owners Insurance on my home by Mid XXXX, XXXX. I met Navy Federal Credit Union request and sent them by email the Home Owners Declaration Policy. I have attached Navy Federal 's email response to my email to them. Nowhere in their electronic response was there a requirement for home owners insurance extending back to XXXX, XXXX and that is in fact illegal, to purchase insurance for a date in the past, unless I am mistaken. 

How am I supposed to provide Home Owner 's coverage for a time period that has already lapsed, legally? Also, how is it that Navy Federal is charging me for a Forced-Placed Insurance policy for dates when I already have coverage on my home. As Navy Federal is not allowed to purchase insurance for a time period that is past, either. This was a charge of {$520.00} and was paid from an Escrow Account that I closed or a new Escrow Account was opened. How is this being legally done by Navy Federal Credit Union? Opening a new Escrow Account that I am responsible for or reopening a closed Escrow Account without informing me and not receiving a verbal or written authorizatikn and date to move forward with this is FRAUD. Someone specifically at Navy Federal Credit Union needs to have a notice of fraudulent activity added to their personal file and their insurance/banking license entity informed of this fraudulent act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair credit report act XXXX XXXX XXXX account number XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair credit report act XXXX XXXX XXXX account number XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX 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 n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25 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: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX 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 n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: IN

Complaint narrative:
XXXX XXXX credit card said i had late payments on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
XXXX XXXX credit card said i had late payment XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX the acct is in good standing and has been. 
15 U.S.C 1681 SECTION 602 A. STATE I HAVE A RIGHT TO PRIVACY 15 U.S.C 166B A CREDITOR MAY NOT TREAT A PAYMENT LATE ON CREDIT CARD ACCT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY REASON

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 2022-04-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRIDENT MORTGAGE COMPANY, LP
State: NJ

Complaint narrative:
On about XX/XX/2020 I used my credit card as defined under 15 USC 1602 ( a ) ( i ) to extend myself credit through TRIDENT MORTGAGE COMPANY LP, for total of {$120000.00}. They unlawfully discriminated against me and violated Federal law 15 USC 1602 ( a ) ( p ) they used my credit card with no lawful or apparent authority, and I the cardholder and consumer did receive any benefit from the transaction. They denied me by way of an adverse action letter, as they attempted to explain why I was denied. As the applicant and consumer I in good faith exercised my right to extend credit and as a creditor and Trident denied me for the mortgage no certain reason. They knowingly without lawful authority used my means of identification as defined under 18 USC 1028 ( d ) ( 7 ) to commit fraud, discrimination, and aggravated identity theft. Per the Equal Credit Opportunity Act, its unlawful for any creditor to discriminate against an applicant with regards to ANY credit transaction. This in fact was a Consumer Credit Transaction and I was discriminated against.

Company response to consumer: Untimely response
Consumer complaint received 2022-04-25 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: FL

Complaint narrative:
hello i have submitted multiple letters to Experian and XXXX regarding this collection account which is in violation for reporting inaccurately. and by law if the account is in dispute, they must provide notice of dispute in the comments section before a XXXX period after receiving my first dispute. Experian has received my XXXX dispute letter on XX/XX/XXXX and i will submit proof of tracking number to show proof of that. they have broken the law under the FCDPA and the FCRA as nowhere on my account does it say that consumer disputes this account or account is in dispute. please help me resolve this issue as i have tried multiple times to settle this with the companies and they continue to negligently non comply and will fully non comply. They are in violation pursuant 15 USC 1681s-2 ( 3 ) and 15 USC 1692e ( 8 ).

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 2022-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax has been reporting my XXXXXXXX XXXX as closed which has dropped my credit score. XXXX and XXXX are reporting correctly. XXXX has resent the reporting status and still not resolved by Equifax. Getting through to Equifax on the phone is futile. They show closed in XXXX. The loan was not sold and Equifax should reporting on time for every month since then and show the account open.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: FL

Complaint narrative:
In accordance with the Fair credit report act XXXX XXXX account number XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XX/XX/2021 XXXX XXXXXX/XX/202XXXX XXXX XXXX XXXXXX/XX/2021 -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 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 XXXXXXXX XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: DE

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. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ACCT XXXX XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX  XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX  ACCT # 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 section2 : It also states a consumer reporting agency 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 explanation
Consumer complaint received 2022-04-25 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: 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. 
DPT ED / XXXX # XXXX DPT ED / XXXX # XXXX DPT ED / XXXX # XXXX XXXX / XXXX # XXXX XXXX XXXX # XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX XXXX XXXX XXXX XXXX mi XXXX Inquiries XXXX Experian XXXX XXXX XXXX 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 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 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 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 2022-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Hello so my account was closed about XXXX months ago in XXXX dont remember the exact date but I think it was the XXXX 2022. My account was closed based on some suspicious activity that I had no clue about a check of XXXX dollars my debit card had been lost around that time and I had spoken to the fraud department about that and they closed the investigation fix everything and I was told to call days later to get my funds and I was received a reference number and so when the first time I called the lady told me that I wouldnt need a reference number that the check will be sent out and I would receive it in XXXX days and nothing appeared. So every since Ive been calling for the past XXXX months almost everyday and they still couldnt tell me anything about the funds everyday it was the same excuse there no is no update on that process please call back in 24 to 48 hours and there still nothing. There is no reason for why is that Citibank is on holding on to a check that is not even theres. A check that didnt even reach the bank account when it was closing. So it makes no sense for this check not to be sent to my house. I have received checks from Citibank only sending me XXXX dollars or XXXX cent from the account how is it possible then can send that check but cant send my actual funds.

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 monetary relief
Consumer complaint received 2022-04-25 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:
in accordance with the fair Credit Reporting act. the list of accounts below has been violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. section 602 A states i have the right to privacy,15 USC 1681 section 604 A States a consumer reporting agency can not furnish a Account with out my written instructions. account # XXXX XXXX  # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX. XXXX XXXX XXXX XXXX # XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Bankruptcy Chapter XXXX dismissed reference # XXXX, Bankruptcy Chapter XXXX reference # XXXX 15 U. S.C.1681 605 No Consumer Reporting agency may make any consumer report containing any of the following items of information : Bankruptcy 15 U.S.C 1666B A Creditor may not treat a payment on a credit card account under an consumer credit plan as a late for any purpose

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 2022-04-25 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:
in accordance with the fair Credit Reporting act. the list of accounts below has been violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. section 602 A states i have the right to privacy,15 USC 1681 section 604 A States a consumer reporting agency can not furnish a Account with out my written instructions. account 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. Bankruptcy Chapter XXXX dismissed reference # XXXX, Bankruptcy Chapter XXXX reference # XXXX 15 U. S.C.1681 605 No Consumer Reporting agency may make any consumer report containing any of the following items of information : Bankruptcy 15 U.S.C 1666B A Creditor may not treat a payment on a credit card account under an consumer credit plan as a late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-04-25 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: TX

Complaint narrative:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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