vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-22 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  Accountnumber:XXXX Account name : XXXX XXXX  Account XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  Account number:XXXX  Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number:XXXX  Account name : XXXX XXXX XXXX Account number:XXXX  Account name : XXXX XXXX Account number:XXXX  Account name : XXXX  Account number:XXXX  Account name : XXXX XXXX  Account number:XXXX  Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX  Account number:XXXX  has violated my rights. Or list of inquiries 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 2023-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: UT

Complaint narrative:
I have consistently made timely payments without any instances of being late. It is completely unacceptable to observe late payments on my account, and I strongly urge you to rectify this error without any delay. Please take immediate action to correct my account and ensure that it accurately reflects my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I submitted a complaint, # XXXX to the CFPB about this account on my consumer report. The certified mail number is # XXXX. My personal information has not been properly protected according to 15 U.S.Code 6801 and the United States Congress. This account was previously sold to XXXX XXXX XXXX XXXX  which is in my previous complaint. 

The alleged debt was written off and I received no XXXX which is a requirement of the Internal Revenue Service XXXX IRS ). NAVY FEDERAL CREDIT UNION should have sent me a XXXX to prevent me, the consumer, from financial harm due to NAVY FEDERAL CREDIT UNION XXXX XXXX. 

Not only has the account not been removed nor did I receive my required IRS XXXX, the charge-off itself has a past due amount. How? This account should be reported as income. How can this charged-off/written-off account be income and debt? And with that being said how is it still reporting? 

I have not received any documentary evidence according to 15 U.S.Code 44. Not a pile of papers and statements. I requested the books of account and financial and corporate records. The amount this alleged debt on my consumer report was sold for. Explain to me how you safeguarded all my personal information and provide evidence.

The letter I received stating I must pay an alleged debt contains violations of 15 U.S. Code 1692. This alleged debt and this mail I received are defaming my character.

You are criminally liable for willfully and knowingly reporting false and inaccurate information. 15 U.S.Code 11 These are my rights granted by Congress as a consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account numberXXXX has violated my rights. Or list of inquiries 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 2023-06-22 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: KY

Complaint narrative:
I have called numerous times to XXXX and they have not assisted me promptly or correctly with identity theft. After I alerted the XXXX bureaus of the issue, XXXX continued to report my account as late. I told them I did not have the card and the transactions were fraud, and would not send a card or open account since it was passdue. Also during, the calls they pushed me to paying or they'll report it late. I explained to them that it wasn't me making the charges, until I finally closed my secured card. Even after they still reported it with late payments and balance due. It it showing late payments on a now closed account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 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: EQUIFAX, INC.
State: KY

Complaint narrative:
I have called numerous times to XXXX and they have not assisted me promptly or correctly with identity theft. After I alerted the 3 bureaus of the issue, XXXX continued to report my account as late. I told them I did not have the card and the transactions were fraud, and would not send a card or open account since it was passdue. Also during, the calls they pushed me to paying or they'll report it late. I explained to them that it wasn't me making the charges, until I finally closed my secured card. Even after they still reported it with late payments and balance due. It it showing late payments on a now closed account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I have called numerous times to XXXX and they have not assisted me promptly or correctly with identity theft. After I alerted the 3 bureaus of the issue, XXXX continued to report my account as late. I told them I did not have the card and the transactions were fraud, and would not send a card or open account since it was passdue. Also during, the calls they pushed me to paying or they'll report it late. I explained to them that it wasn't me making the charges, until I finally closed my secured card. Even after they still reported it with late payments and balance due. It it showing late payments on a now closed account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I filed a VA partial claim in XX/XX/2022. I did not know what this was but my mortgage company XXXX XXXX XXXX insisted this was the best route for service member and for me to reduce my monthly payment. 

XXXX sent the partial claim to the VA and requested for XXXX to be paid. The VA sent the claim back to XXXX requesting corrections XX/XX/2022. XXXX responded after numerous complaints I filed with XXXX. They resubmitted the loan to VA XX/XX/2022. 

The VA sent it back again requesting correction to verbiage in the document. This time, XXXX transferred my loan to their partner New Rez. However, New Rez doesnt have a loss mitigation department and referred me to their partner Shellpoint Services . I have been in contact with shllpoint for numerous months trying to get the verbiage corrected so that the VA can pay out on my partial claim. They have instead turned the balance over into a deferrment. 

This is not how the process goes and is hurting my credit tremendously. The company refuses to fix it and I am at a loss. I am PCSing soon and wont be able to find a place because they are reporting my mortgage as a deferment instead of how the VA partial claim is supposed to be paid out and reported as a separate loan. 
Please help. Im at my end with these 3 companies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
Complaint against Fifth Third Bank. I have been trying for months to remove my PMI as my loan to value ratio is around 55-60 % and the company has ignored me for months. 

I finally got through to them and they tried saying my property is at 83 % LTV and are making me pay for an appraisal. 

Just to be done with it I accepted and sent the documentation and they have yet to get back to me again. They are blatantly stealing from me when my property is worth between XXXX and my amount owed is XXXX. This is occurring by answering me very late and by not having removed my PMI yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: PENNSYLVANIA HOUSING FINANCE AGENCY
State: PA

Complaint narrative:
At the very beginning of XX/XX/XXXX I applied for mortgage assistance with the Pennsylvania Housing Finance Agency. This was to provide up to 6 months of future payments and to get the loan current. My household income is well below the income limit and in XXXX of XXXX I was informed that the application was approved and funds would be disbursed to my lender. I was also told to keep my payments behind in order to use the program. Funds were never disbursed. At the end of XX/XX/XXXX, I was contacted by PHFA and asked to provide a signed authorization for PHFA to verify my current loan status and amounts with my lender. I provided the signed authorization within two hours of the request. I was told that funds would be disbursed in approximately 30 days. To my knowledge, the request to verify has never even been sent to my lender and no funds have been released. All this assistance request that I applied for has done for me is hurt my credit and cause extreme anxiety. It seems like a scam and I believe I was certainly given bad advise about not keeping my loan current in order to use the program.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: TX

Complaint narrative:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: MoneyLion Inc.
State: PA

Complaint narrative:
On XXXX  XX/XX/2023 my account was suspended for " suspicious '' activity after purchasing XXXX goods. After sending multiple forms of identity / residency proof, and explination of funds in question ( an {$1800.00} payment to a friend who loaned me money ) they have still and continue to deny me access to my account. XXXX  XXXX XXXX they answered me everyday. It is now XX/XX/XXXX and I'm not being answered at all after sending XXXX more final proofs of my residency. I am now not going to get paid as my paycheck goes to this XXXX bank, I'm going to miss payments, and I have been left out to dry all week as they have NO physical location I can go into. I want my account opened and that's obviously too much to ask for. These people and places need to have direct contact lines to people not just some XXXX on the phone who speaks broken XXXX and says " oh sorry i can't do nothing about that. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: AZ

Complaint narrative:
It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRIAD FINANCIAL SERVICES, INC.
State: FL

Complaint narrative:
Morgage company keeps changing amounts due and not helping with issue

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 2023-06-22 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: VA

Complaint narrative:
Account # XXXX I challenged the accuracy, compliance, verification, and reportability of this listing. Please validate this information XXXX XXXX and ask them to provide me with copies of the original contract and validation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ].

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 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: MI

Complaint narrative:
There are so many inquiries on my credit report that tried to open accounts using my name. I have never applied for credit to these companies. These inquiries are pulling my credit score down and I can't get myself to funding because of these inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 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: OK

Complaint narrative:
XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a 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