vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-19 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:
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 1692 Account name : XXXX XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX ID : XXXX has violated my rights. 

15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt.

15 USC 1692. ( B ) 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt.

15 USC 1692. ( B ) 5 ). Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. 

15 USC 1692. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

Also your company only has a license to collect debt in 11 states. Those states are : Connecticut, Idaho, XXXX, Maryland, Massachusetts, XXXX, New Mexico, North Dakota XXXX Oregon XXXX Rhode Island XXXX Wyoming XXXX Which is verified on https : XXXX. 

Remove this account immediately!! 

Sincerely, 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 2022-12-19 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: Self Financial Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX SELF XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Date : XX/XX/XXXX RE : Late Payment Removal Balance : {$440.00} This letter serves as my explicit instruction and written notice. 

This account is a billing error. A creditor that fails to comply with the requirements outlined in the XXXX Credit Billing Act forfeits any right to collect from the obligor This is not a refusal to pay but a notice that this alleged debt is disputed. 12 CFR 1026.4 defines a finance charge. I respectfully request your company provide me with documentary evidence that clarifies this billing error. 

What authority do you have to collect debt in the United States? 

I consummated this consumer credit contract under good faith and credit. 16 CFR 433.1 ( i ) states Consumer credit contract is any instrument which evidences or embodies a debt arising from a Purchase Money Loan transaction or a financed sale as defined in paragraphs ( d ) and ( e ) of this section. In accordance with regulation Z, you can be fined up to {$5000.00} for giving false and inaccurate information as well as not providing the consumer with proper and respective disclosures. 

I have reason to believe your financial institution is violating federal law by knowingly furnishing false credit information. It is impossible to be late on an extension of credit. No law under the Fair Credit Reporting Act requires your financial institution to report negative information to a consumer reporting agency. I do not consent to the furnishing of any negative information to any nonaffiliated third party. Furnishing this false credit information is a violation of federal law and a violation of my right to privacy. The Right to Privacy was declared a fundamental right by the Supreme Court in Puttaswamy v. Union of India. 2017 Furnishing false credit information to a nonaffiliated third party as a means of coercing payment on an extension of credit constitutes racketeering activity. Furnishing late payments is your institutions policy. Your company policy does not supersede federal law. I am demanding that all late payments are UPDATED to PAID AS AGREED and a DELETION of each late payment be submitted to the credit reporting agencies immediately to prevent y consumer credit reputation from receiving further harm. 

I am keeping careful records of all correspondenceor lack thereof- made via mail, telephone, and other means of communication. Your response must be provided within the allotted threshold for this communication. 

Sincerely, XXXX XXXX UCC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: FL

Complaint narrative:
TransUnion credit reporting agency has been reporting inaccurate and misleading information on my report for several months now. Block the information contained within the Identity Theft report & within this complaint in accordance with 15 USC 1681c-2, contained here is 1. Appropriate proof, my drivers license 2. The Identity Theft report 3. Information that shall be removed by law 4. My statement informing you this I the natural person/consumer have no info relating to transactions. In accordance to the Fair Credit Reporting Act 15 USC 1681 ( 3 ) TransUnion has a vital role in assembling and evaluating consumer credit, with a need to ensure they're exercising their grave responsibilities with fairness, impartiality, and respect for consumers PRIVACY 15 USC 1681 ( 4 ). TransUnion has not respected my rights, they were unfair, partial, and furnished these accounts without my consent. Pursuant to 15 USC 1681b ( 2 ) the CRA may only furnish in accordance with written instructions of the consumer, in which I did not give authorization nor consent. Remove these inaccurate accounts IMMEDIATELY and DO NOT open a dispute. This is Aggravated Identity Theft per 18 USC 1028a, you're transferring and utilizing my information with these 3rd party debt collectors without lawful authority or giving the chance to opt out per 15 USC 6802 ( b ) ( 1 ) Please provide me with the procedures that were taken to gather the most accurate information prior to reporting in accordance with the FCRA. ACCOUNT 1. XXXX XXXX  # XXXX INQUIRY 1. XXXX XX/XX/22 EMPLOYER 1. XXXX XXXX XXXX XXXX ADDRESS 1. XXXX XXXX XXXX XXXX XXXX XXXX, FL 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. Please provide me with the procedures that were taken to gather the most accurate information prior to reporting in accordance with the FCRA. Also in accordance to the IRS defines " Charge Offs '' as income and income should not be reported on a Consumer 's report, there was also no legal claim without validating the alleged debt, therefor no grounds to charge off.

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 2022-12-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I've called the creditor and they told me they would be reporting my account to all 3 buraues and that has not happened. Furthermore, they are still reporting a high balance of {$290.00} which I used this card once and then it immediately reported days later in XXXX. This amount was paid way back the and is still reporting the same balance. This is dragging my score down since the entire account is {$300.00} and the score basis off of how much open credit utilized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
A loan with XXXX was take out fraudulently in my name for {$4000.00} on XX/XX/2022. I immediately reported this to XXXX. It was told they would freeze my account. Was also told that I needed to submit an Affidavit for Fraud and a police report to them so that they could open up an investigation into the matter. I completed and submitted the reinsured documentation in addition to an FTC Identity Theft Report to XXXX 3 times. They have emailed me back 5 times over the past week stating that I am responsible for the loan. I don't want this to wreck my credit. I've need additional support trying to get this issue remedied. Please look at the XXXX  complaints for this company. I am not the only consumer this is happening to.

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 2022-12-19 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: FL

Complaint narrative:
TransUnion credit reporting agency has been reporting inaccurate and misleading information on my report for several months now. Block the information contained within the Identity Theft report & within this complaint in accordance with 15 USC 1681c-2, contained here is 1. Appropriate proof, my drivers license 2. The Identity Theft report 3. Information that shall be removed by law 4. My statement informing you this I the natural person/consumer have no info relating to transactions. In accordance to the Fair Credit Reporting Act 15 USC 1681 ( 3 ) TransUnion has a vital role in assembling and evaluating consumer credit, with a need to ensure they're exercising their grave responsibilities with fairness, impartiality, and respect for consumers PRIVACY 15 USC 1681 ( 4 ). TransUnion has not respected my rights, they were unfair, partial, and furnished these accounts without my consent. Pursuant to 15 USC 1681b ( 2 ) the CRA may only furnish in accordance with written instructions of the consumer, in which I did not give authorization nor consent. Remove these inaccurate accounts IMMEDIATELY and DO NOT open a dispute. This is Aggravated Identity Theft per 18 USC 1028a, you're transferring and utilizing my information with these 3rd party debt collectors without lawful authority or giving the chance to opt out per 15 USC 6802 ( b ) ( 1 ) Please provide me with the procedures that were taken to gather the most accurate information prior to reporting in accordance with the FCRA. ACCOUNT XXXX. XXXXXXXX XXXX  # XXXX INQUIRY XXXX. XXXX XX/XX/22 EMPLOYER XXXX. XXXX XXXX XXXX XXXX ADDRESS XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. Please provide me with the procedures that were taken to gather the most accurate information prior to reporting in accordance with the FCRA. Also in accordance to the IRS defines " Charge Offs '' as income and income should not be reported on a Consumer 's report, there was also no legal claim without validating the alleged debt, therefor no grounds to charge off.

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 2022-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Last Wednesday I was contacted by XXXX XXXX. He called using XXXX, which is the Chase Bank fraud number. It was because of the phone number that I so stupidly followed his instructions. He had me withdraw {$10000.00} from my account and deposit it into a XXXX XXXX ' machine. I have no bit-coin experience and can no even figure out if my money is in 'my account ' or has be moved into something else.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  is on my credit report twice as a hard inquiry and they stated they only ran my credit once on XX/XX/2022 but XX/XX/2022 is appearing on there as well. Please remove XX/XX/2022 immediately. Also, Navy FCU ( Finance ) is also showing as a hard inquiry on XX/XX/2022 and I reached out to them and it's still appearing on my credit. I don't have an account with them and canceled my application before they were suppose to run my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX is on my credit report twice as a hard inquiry and they stated they only ran my credit once on XX/XX/2022 but XX/XX/2022 is appearing on there as well. Please remove XX/XX/2022 immediately. Also, XXXX XXXX ( XXXX ) is also showing as a hard inquiry on XX/XX/2022 and I reached out to them and it's still appearing on my credit. I don't have an account with them and canceled my application before they were suppose to run my credit.

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 2022-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: TN

Complaint narrative:
I refinanced my home loan with Rocket Mortgage in XXXX XXXX. The monthly payment was set at {$1200.00}. I then received the XXXX XXXX statement in XX/XX/2022 which stated that due to a shortage in my escrow account the mortgage payment would be increasing to {$1500.00} - an increase of $ XXXX. After some investigation I figured out that between Rocket Mortgage and their title company XXXX, the taxes associated with the house were improperly disclosed on the Closing XXXX. My house is located in an area that pays both city XXXX XXXX taxes. They completely missed the city taxes. When I figured this out I called their customer service to help me resolve their mistake. The issue got escalated to a XXXX, XXXX ; she admitted multiple times on the phone that they made a mistake and missed the city taxes and did not disclose them to me. First, she told me that it was my fault for not seeing the issue on the closing disclosure and bringing it up them as if that is my responsibility or that I would even know to do that. I asked for a credit on the escrow account for the amount that was disclosed wrong and she refused. I understand that the city taxes have to be paid and there would have to be an adjustment to my payment moving forward but the fact that they are charging me over and above that to recoup the amount that they missed disclosing in the closing disclosure is wrong. She finally agreed to look into the issue further and told me that she would follow-up with me the following week but assured me that she would immediately sent me an email with her contact information. I did receive an email but it was just her first name and picture. There was no contact information and the email it was sent from was not hers but rather an unmonitored email address. I had no way of contacting her directly to ask for any updates or to follow-up with her. It has now been XXXX weeks and I have not had any updates regarding the issue and XXXX communication from anyone at Rocket Mortgage. I have put an email in to their general " help '' email explaining the issue and my disappointment with how they have handled it. I still have not received any response. I explained both in the call with XXXX and in my email to them that I would be submitting a complaint to the CFPB. They have done nothing to even attempt to ratify the mistake that was made on their end. Instead, they have put that burden onto me by increasing my monthly payment in order to make up for the shortage in escrow that is a result of their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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 noticed unauthorized inquiries on my report and/or noticed that someone applied for something in my name which are : XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX  Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX Have contacted the creditor for deletion.

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 2022-12-19 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: GA

Complaint narrative:
I Identified information on my report that are a result of identity theft. Please remove personal information That i do not want on my credit report. According to the fair credit report act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No Financial institution is not suppose to share my information to third party people.

These are clear violation of my federally protected consumer right. 


Please See Attachment

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 2022-12-19 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: TX

Complaint narrative:
I have disputed accounts on my consumer report, reporting inaccurate information. XXXX, Transunion, and XXXX is showing inaccurate and misleading on the following accounts... 

XXXXXXXX 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 2022-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
Re : {$680.00}. I do not owe any money to this company. Cease & Desist letter sent to the company. This company had a judgment filed against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: PACE Funding Group, LLC
State: CA

Complaint narrative:
XX/XX/22 DocSigned contract with XXXXXXXX for XXXX install ( XXXX XXXX ) XX/XX/22 XXXX Install began XX/XX/22 XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) phones me and talks me through finalizing payment online XX/XX/22 XXXX Installers complete install XX/XX/XXXX XXXX Phone from XXXX XXXX XXXX  ( XXXX selected financier ) asking if job completed and satisfactory. Answered yes prior to inspection and without ant XXXX knowledge XXXX contracts with XXXX XXXX Financing Account # XXXX XX/XX/22 Inspection permit pulled XX/XX/22, after install ; XXXX XXXX  installed rather than XXXX XXXX as stated on contract XX/XX/22 Email XXXX XXXX Financing regarding XXXXXXXX XXXX  failure to get documents to me ( warranty, contract, inspection ) XX/XX/22 XXXX XXXX XXXX Financing opens investigation into XXXX XXXX business practice. XXXX XXXX contacted by XXXX of XXXX XXXX XXXX and advised proper install of XXXX XXXX XX/XX/22 XXXX XXXX  has failed to conduct inspection. City of XXXX XXXX conducted inspection and sited 7 install violations. Installer informed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # 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 USC 1693 2 Section 806 section 5 causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse or harass any person at the caller number. 

I am not liable for this debt with " XXXX XXXX XXXX '' and do not have a contract with " XXXX XXXX XXXX '' they do not provide me with the original application like i asked.

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 2022-12-19 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # 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 USC 1693 2 Section 806 section 5 causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse or harass any person at the caller number. 

I am not liable for this debt with " XXXX XXXX XXXX '' and do not have a contract with " XXXX XXXX XXXX '' they do not provide me with the original application like i asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: PA

Complaint narrative:
ACCORDING TO THE ATTACHED RESPONSE TO MY PREVIOUS COMPLAINT, EQUIFAX WAS TO REMOVE THE HARD INQUIRIES AND THEY HAVE NOT : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation